Craven County property record for 118 Karol Dr, Havelock, NC 28532
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,305 sqft · built 1977 |
| Lot Size | 0.375 acres (16,329 sqft) |
| Owner | Individual Name on File |
| Last Sale | $232,000 (Jan 2024) |
| Tax Bill | $2,041 (2026) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Dec 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6-101-126 |
| Primary APN | 6-101-126 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,305 sqft Living Area |
| 1st Floor Area | 1,305 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,329 sqft (0.375 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 138260 |
|---|---|
| Street Address | 118 KAROL DR |
| City | HAVELOCK |
| State | NC |
| Zip | 28532-2409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 126 TYRON PARK SCT 4 |
| Legal Subdivision | TRYON PARK |
| Legal Lot Number | 126 |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 961301 |
118 Karol Dr is owned and occupied by an individual who bought it in January 2024.
Source: Craven County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 118 KAROL DR, HAVELOCK, NC 28532-2409 |
| 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.
| Date | Document |
|---|---|
| Jan 19, 2024 | Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Dec 19, 2022 | Deed of Trust, Mortgage SAWYER COLBY GANN ETAL |
| Oct 20, 2022 | Deed of Trust, Mortgage GAYNELLE CONNER |
| Sep 24, 2020 | Deed of Trust, Mortgage · Commercial Mortgage TIMOTHY RYAN COOPER |
| Mar 13, 2020 | Deed of Trust, Mortgage · Commercial Mortgage LARRY WHITFIELD ETUX |
| Jan 30, 2020 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 19, 2024 · Amount on File |
| Deed Sale | Jan 19, 2024 · Amount on File |
| Prior Sale | Jan 30, 2020 · Amount on File |
| Deed Document Number | 202410121738 |
| Deed Book / Page | 3786 / 1851 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Jan 19, 2024 |
| Property Address | 118 KAROL DR, HAVELOCK, NC 28532-2409 |
| Document Number | 03786/1851 |
| Book / Page | 3786 / 1851 |
| Map Reference | CAB A SL 42-B |
| Instrument Date | Dec 19, 2023 |
| Instrument | 10121738 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $464.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1276, MOREHEAD CITY, NC 28557-1276 |
| Name | Verified Name |
|---|---|
| Address | 118 KAROL DR, HAVELOCK, NC 28532-2409 |
| Document Number | 0037861854 |
|---|---|
| Date | Jan 19, 2024 |
| Instrument | 3786/1854 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 2, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 118 KAROL DR, HAVELOCK, NC 28532-2409 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1276, MOREHEAD CITY, NC 28557-1276 |
| Document Number | 03750/1204 |
|---|---|
| Date | Dec 19, 2022 |
| Book Page | 3750/1204 |
| Instrument | 10107065 |
| Name | SAWYER COLBY GANN ETAL |
|---|---|
| Type | Private Party |
| Address | 9012 GOLDEN SUNSET TRL, FORT WORTH, TX 76244 |
| Amount | Amount on Record |
|---|---|
| Term | 24 Months |
| Due | Dec 19, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 118 KAROL DR, HAVELOCK, NC 28532-2409 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1276, MOREHEAD CITY, NC 28557-1276 |
| Document Number | 00003745/6 |
|---|---|
| Date | Oct 20, 2022 |
| Book Page | 3745/6 |
| Instrument | 10104766 |
| Name | GAYNELLE CONNER |
|---|---|
| Type | Private Party |
| Address | 311 LORD GRANVILLE DR, MOREHEAD CITY, NC 28557 |
| Amount | Amount on Record |
|---|---|
| Term | 24 Months |
| Due | Oct 20, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 118 KAROL DR, HAVELOCK, NC 28532-2409 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1276, MOREHEAD CITY, NC 28557-1276 |
| Document Number | 003632/173 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 3632/173 |
| Instrument | 10061715 |
| Name | TIMOTHY RYAN COOPER |
|---|---|
| Type | Private Party |
| Address | 169 BALD EAGLE LN, KENLY, NC 27542 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Sep 24, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 118 KAROL DR, HAVELOCK, NC 28532-2409 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0003605/77 |
|---|---|
| Date | Mar 13, 2020 |
| Book Page | 3605/77 |
| Instrument | 10051668 |
| Name | LARRY WHITFIELD ETUX |
|---|---|
| Type | Private Party |
| Address | 2989 HIGHWAY 404, DUCK HILL, MS 38925 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 25 Months |
| Due | Apr 1, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Jan 30, 2020 |
| Property Address | 118 KAROL DR, HAVELOCK, NC 28532-2409 |
| Document Number | 003600/496 |
| Book / Page | 3600 / 496 |
| Instrument Date | Jan 29, 2020 |
| Instrument | 10049761 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1276, MOREHEAD CITY, NC 28557-1276 |
The 2026 property tax bill for 118 Karol Dr was $2,041, up 2.5% from the year before.
Source: Craven County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Craven County |
| Municipality | Havelock City |
| Unified School District | Craven County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,041.00 (+2.51%) | $164,800 (-) Land $31,500 Building $133,300 | $164,800 (-) Land $31,500 Building $133,300 |
| 2025 | $1,991.00 | $164,800 Land $31,500 Building $133,300 | $164,800 Land $31,500 Building $133,300 |
| 2023 | $1,913.00 (+27.03%) | $164,800 (+31.04%) Land $31,500 Building $133,300 | $164,800 Land $31,500 Building $133,300 |
| 2022 | $1,506.00 | $125,760 Land $27,000 Building $98,760 | |
| 2018 | $125,760 Land $27,000 Building $98,760 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 Karol Dr in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 1995.
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 38 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 38 in force |
| Nearby Flood Claims | 29 (1995–2019) |
| Claims Outside the SFHA | 24 of 29 |
| Most Recent Claim | Sep 2019 · Hurricane Dorian |
| Claims by Event |
|
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 risk around 118 Karol Dr is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · above 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 89 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 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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