115 Els Ln, New Bern, NC 28560 Property Records

Craven County property record for 115 Els Ln, New Bern, NC 28560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,465 sqft · built 2005
Lot Size	0.257 acres (11,215 sqft)
Owner	2 Individual Names on File
Last Sale	$304,500 (Apr 2026)
Tax Bill	$1,104 (2026)
Deeds & Mortgages	Jan 2010 Mortgage Apr 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`6-213-L-271`

Property Details

APN / Parcel Number

Primary APN	`6-213-L-271`
Alternative APN	`122191`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,465 sqft Living Area
1st Floor Area	1,465 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,215 sqft (0.257 acres)
Lot Dimensions	125 ft deep x 126 ft wide
Garage Type	Attached
Storage Building	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	122191
Street Address	115 ELS LN
City	NEW BERN
State	NC
Zip	28560-8948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 271 LAKESIDE @ ROYAL PINES SCT 1-A 1-B 3 & 4 REVISED
Legal Subdivision	LAKESIDE @ ROYAL PINES
Legal Lot Number	271
Jurisdiction	CRAVEN NC
Township / Civil Division	6
Census Block Group	2
Census Block	2004
Census Tract	961101

Owner

115 Els Ln is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	115 ELS LN, NEW BERN, NC 28560-8948
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Jan 12, 2010	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL MORTGAGE CENTER INC
Apr 21, 2026	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Apr 21, 2026	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Apr 30, 2018	Quit Claim Deed, Transfer Quitclaim
Apr 30, 2018	Warranty Deed, Transfer
Mar 23, 2006	Deed, Subdivision Related Transfer · Conventional Mortgage MORTGAGE ACCESS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on File
Deed Sale	Apr 21, 2026 · Amount on File
Prior Sale	Apr 30, 2018 · Amount on File
Deed Document Number	202610155094
Deed Book / Page	3877 / 549
Prior Transfer Date	Apr 19, 2018
Prior Transfer Doc	003534/164
Record Updated	Oct 29, 2026

January 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	115 ELS LN, NEW BERN, NC 28560-8948
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02884/0031
Date	Jan 12, 2010
Book Page	2884/0031

Lender

Name	RESIDENTIAL MORTGAGE CENTER INC
Address	CHARLOTTE, NC 28217

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2025

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Apr 21, 2026
Property Address	115 ELS LN, NEW BERN, NC 28560-8948
Document Number	0010155094
Book / Page	3877 / 549
Instrument Date	Apr 15, 2026
Instrument	2026.10155094
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	POST SETTLEMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$61,509.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 ELS LN, NEW BERN, NC 28560-8948
Investor	Possibly a Property Investor

Mortgage

Document Number	0010155095,
Date	Apr 21, 2026
Instrument	2026..10155095

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Apr 21, 2026
Property Address	115 ELS LN, NEW BERN, NC 28560-8948
Document Number	003877/549
Book / Page	3877 / 549
Instrument Date	Apr 15, 2026
Instrument	202610155094
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	POST SETTLEMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$61,509.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 ELS LN, NEW BERN, NC 28560-8948
Investor	Possibly a Property Investor

Mortgage

Document Number	0010155095,
Date	Apr 21, 2026
Instrument	202610155095

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CRAVEN NC
Recording Date	Apr 30, 2018
Property Address	115 ELS LN, NEW BERN, NC 28560-8948
Document Number	003534/164
Book / Page	3534 / 164
Instrument Date	Apr 19, 2018
Instrument	000010021717
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 ELS LN, NEW BERN, NC 28560-8948

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Apr 30, 2018
Property Address	115 ELS LN, NEW BERN, NC 28560-8948
Document Number	003534/168
Book / Page	3534 / 168
Instrument Date	Apr 19, 2018
Instrument	000010021718
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 ELS LN, NEW BERN, NC 28560-8948

March 2006: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CRAVEN NC
Recording Date	Mar 23, 2006
Property Address	115 ELS LN, NEW BERN, NC 28560-8948
Document Number	02431/0325
Book / Page	2431 / 0325
Map Reference	CAB H SL11D-F
Instrument Date	Mar 22, 2006
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$304.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02431/0328
Date	Mar 23, 2006
Book Page	2431/0328

Lender

Name	MORTGAGE ACCESS LLC
Type	Mortgage Company
Address	GREENVILLE, NC 27858

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 115 Els Ln was $1,104.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,104.00	$229,710 (+7.43%) Land $40,000 Building $189,710	$229,710 (+7.43%) Land $40,000 Building $189,710
2025		$213,820 Land $40,000 Building $173,820	$213,820 Land $40,000 Building $173,820
2024	$1,104.00 (+1.1%)
2023	$1,092.00	$213,820 Land $40,000 Building $173,820	$213,820 Land $40,000 Building $173,820

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

Flood

FEMA maps place 115 Els Ln in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1996.

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 31 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	9 (1996–2018)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 5 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 115 Els Ln is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 229 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 / 35

May also be available: Optimum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Els Ln

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