108 Joan Ct, New Bern, NC 28562 Property Records

Craven County property record for 108 Joan Ct, New Bern, NC 28562

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 960 sqft · built 2017
Lot Size	0.167 acres (7,294 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Oct 2017)
Tax Bill	$1,237 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8-210-A-187`

Property Details

APN / Parcel Number

Primary APN	`8-210-A-187`
Alternative APN	`42927`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	960 sqft Living Area
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,294 sqft (0.167 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	42927
Street Address	108 JOAN CT
City	NEW BERN
State	NC
Zip	28562-1017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 187 CRAEBERNE FOREST PH II SCT III
Legal Subdivision	CRAEBERNE FOREST
Legal Phase	II
Legal Lot Number	187
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	2
Census Block	2027
Census Tract	960401

Owner

Source: Craven County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	108 JOAN CT, NEW BERN, NC 28562-1017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Nov 24, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 14, 2017	Deed of Trust, Mortgage · Construction Mortgage BRANCH BANKING AND TRUST CO
Jan 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Oct 24, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2017 · Amount on Record
Deed Sale	Oct 24, 2017 · Amount on Record
Deed Book / Page	3517 / 1086
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	108 JOAN CT, NEW BERN, NC 28562-1017
Transaction Type	Mortgage
Record Updated	Dec 13, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3702/131
Date	Nov 30, 2021
Book Page	3702/131
Instrument	10087720

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	108 JOAN CT, NEW BERN, NC 28562-1017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3641/1401
Date	Nov 24, 2020
Book Page	3641/1401
Instrument	10065135

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Mar 1, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	108 JOAN CT, NEW BERN, NC 28562-1017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3504/0797
Date	Jun 14, 2017
Book Page	3504/0797

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	MOREHEAD CITY, NC 28557

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	108 JOAN CT, NEW BERN, NC 28562-1017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3598/1655
Date	Jan 15, 2020
Book Page	3598/1655
Instrument	10049127

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Feb 1, 2048

October 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Oct 24, 2017
Property Address	108 JOAN CT, NEW BERN, NC 28562-1017
Document Number	3517/1086
Book / Page	3517 / 1086
Instrument Date	Oct 20, 2017
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8002 US HIGHWAY 70 E, 8002, NEW BERN, NC 28560-8516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 JOAN CT, NEW BERN, NC 28562-1017

Mortgage

Document Number	3517/1089
Date	Oct 24, 2017
Book Page	3517/1089

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Craven County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Craven County
Municipality	New Bern City
Unified School District	Craven County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,237.00 (-48.29%)	$277,950 (-) Land $40,000 Building $237,950	$277,950 (-) Land $40,000 Building $237,950
2025	$2,392.00 (+1.7%)	$277,950 (-) Land $40,000 Building $237,950	$277,950 (-) Land $40,000 Building $237,950
2023	$2,352.00 (+11.79%)	$277,950 (+41.67%) Land $40,000 Building $237,950	$277,950 (+41.67%) Land $40,000 Building $237,950
2022	$2,104.00	$196,200 Land $30,000 Building $166,200
2018			$196,200 Land $30,000 Building $166,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 42 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	4 (1996–2018)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2018 · Hurricane Florence

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CRAVEN COUNTY WATER SYSTEM serves 37,848 people · EPA ID NC0425055
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Optimum Cable	940 / 35

May also be available: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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