115 Joseph Dr, Havelock, NC 28532 Property Records

Craven County property record for 115 Joseph Dr, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,254 sqft · built 2010
Lot Size	0.328 acres (14,299 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,500 (Jun 2010)
Tax Bill	$2,395 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6-049-A-018`

Property Details

APN / Parcel Number

Primary APN	`6-049-A-018`
Alternative APN	`84601`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,254 sqft Living Area
1st Floor Area	1,254 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,299 sqft (0.328 acres)
Garage Type	Attached
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	84601
Street Address	115 JOSEPH DR
City	HAVELOCK
State	NC
Zip	28532-2755
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 SLOCUM WOODS
Legal Subdivision	SLOCUM WOODS
Legal Lot Number	18
Jurisdiction	CRAVEN NC
Township / Civil Division	6
Census Block Group	3
Census Block	3014
Census Tract	961301

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	115 JOSEPH DR, HAVELOCK, NC 28532-2755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Nov 18, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 16, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2010 · Amount on Record
Deed Sale	Jun 4, 2010 · Amount on Record
Prior Sale	Mar 1, 2010 · Amount on Record
Deed Book / Page	2916 / 395
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Recording Date	Sep 10, 2026
Property Address	115 JOSEPH DR, HAVELOCK, NC 28532-2755
Document Number	0010161427
Book / Page	3894 / 1345
Instrument Date	Aug 28, 2026
Instrument	202610161427
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 JOSEPH DR, HAVELOCK, NC 28532-2755

Mortgage

Document Number	0010161427,
Date	Sep 10, 2026
Book Page	3894/1345
Instrument	202610161427

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 10, 2066

Interest

Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	115 JOSEPH DR, HAVELOCK, NC 28532-2755
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 JOSEPH DR, HAVELOCK, NC 28532-2755

Mortgage

Document Number	03859/1809
Date	Nov 18, 2025
Book Page	3859/1809
Instrument	10148838

Lender

Name	PNC BANK NA
Type	Bank
Address	222 DELAWARE AVE, WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 20, 2065

Interest

Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	115 JOSEPH DR, HAVELOCK, NC 28532-2755
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 JOSEPH DR, HAVELOCK, NC 28532-2755

Mortgage

Document Number	03763/1920
Date	May 16, 2023
Book Page	3763/1920
Instrument	10112484

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 19, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	115 JOSEPH DR, HAVELOCK, NC 28532-2755
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	COAST TO COAST T&E

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003707/417
Date	Jan 7, 2022
Book Page	3707/417
Instrument	10089747

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

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	$2,395.00 (+2.48%)	$194,490 (-) Land $40,000 Building $154,490	$194,490 (-) Land $40,000 Building $154,490
2025	$2,337.00 (+4.01%)	$194,490 (-) Land $40,000 Building $154,490	$194,490 (-) Land $40,000 Building $154,490
2023	$2,247.00 (+22.59%)	$194,490 (+26.1%) Land $40,000 Building $154,490	$194,490 (+26.1%) Land $40,000 Building $154,490
2022	$1,833.00	$154,240 Land $40,000 Building $114,240
2018			$154,240 Land $40,000 Building $114,240

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	14 (2003–2018)
Claims Outside the SFHA	5 of 14
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 10 claims Hurricane Irene, Aug 2011 · 3 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 158 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
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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