109 Cindy Ln, Havelock, NC 28532 Property Records

Craven County property record for 109 Cindy Ln, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,229 sqft · built 1983
Lot Size	0.261 acres (11,383 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Nov 2021)
Tax Bill	$2,371 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6-220-N-B-013`

Property Details

APN / Parcel Number

Primary APN	`6-220-N-B-013`
Alternative APN	`90868`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,229 sqft Living Area
1st Floor Area	1,100 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,383 sqft (0.261 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	90868
Street Address	109 CINDY LN
City	HAVELOCK
State	NC
Zip	28532-1768
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BLK B JERRETT EST SCT 2
Legal Subdivision	JERRETT ESTATE
Legal Block	B
Legal Lot Number	13
Jurisdiction	CRAVEN NC
Township / Civil Division	6
Census Block Group	2
Census Block	2000
Census Tract	961302

Owner

109 Cindy Ln is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	109 CINDY LN, HAVELOCK, NC 28532-1768
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2021 · Amount on File
Deed Sale	Nov 10, 2021 · Amount on File
Prior Sale	Oct 30, 2008 · Amount on File
Deed Document Number	202110086647
Deed Book / Page	3699 / 345
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Nov 10, 2021
Property Address	109 CINDY LN, HAVELOCK, NC 28532-1768
Document Number	3699/345
Book / Page	3699 / 345
Map Reference	CAB C SL 245
Instrument Date	Nov 8, 2021
Instrument	10086647
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CINDY LN, HAVELOCK, NC 28532-1768

Mortgage

Document Number	3699348
Date	Nov 10, 2021
Instrument	3699/348

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 109 Cindy Ln was $2,371.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$197,440 (-) Land $40,000 Building $157,440	$197,440 (-) Land $40,000 Building $157,440
2025	$2,371.00	$197,440 Land $40,000 Building $157,440	$197,440 Land $40,000 Building $157,440
2023	$2,280.00 (+77.16%)	$197,440 (+84.92%) Land $40,000 Building $157,440	$197,440 Land $40,000 Building $157,440
2022	$1,287.00	$106,770 Land $35,000 Building $71,770
2018			$106,770 Land $35,000 Building $71,770

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

Flood

FEMA maps place 109 Cindy Ln in Zone X, an area of minimal flood risk, though there have been 34 flood claims nearby since 1998.

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 File median of 30 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	34 (1998–2021)
Claims Outside the SFHA	34 of 34
Most Recent Claim	Jun 2021 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 20 claims Severe Storms, Flooding, And Straight-line Winds, Sep 2010 · 2 claims

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

Wildfire risk around 109 Cindy Ln is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.07% 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	HAVELOCK WATER SYSTEM serves 14,925 people · EPA ID NC0425015
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 375 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20