120 Dory Ct, Havelock, NC 28532 Property Records

Craven County property record for 120 Dory Ct, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,853 sqft · built 2023
Lot Size	0.86 acres (37,441 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,491 (2025)
Deeds & Mortgages	Mar 2023 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`5-006-4-025`

Property Details

APN / Parcel Number

Primary APN	`5-006-4-025`
Alternative APN	`49571`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,853 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	37,441 sqft (0.86 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	49571
Street Address	120 DORY CT
City	HAVELOCK
State	NC
Zip	28532-9460
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25 CHERRY BRANCH WEST PH 1 SCT 3
Legal Subdivision	CHERRY BRANCH
Legal Phase	1
Jurisdiction	CRAVEN NC
Township / Civil Division	5
Census Block Group	2
Census Block	2004
Census Tract	961303

Owner

120 Dory Ct is owned and occupied by two individuals who acquired it in August 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 DORY CT, HAVELOCK, NC 28532-9460
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	2 Names on Deed
Last Transfer Date	Aug 15, 2007
Transfer Doc	02636/0248
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	120 DORY CT, HAVELOCK, NC 28532-9460
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4967 BARNSTABLE CT, CINCINNATI, OH 45244-1037

Mortgage

Document Number	003759/961
Date	Mar 31, 2023
Book Page	3759/961
Instrument	10110804

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	Other
Margin	3
Max Rate	11.5%

Tax Assessment & Valuation

The 2025 property tax bill for 120 Dory Ct was $2,491.

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		$484,940 (-) Land $200,000 Building $284,940	$484,940 (-) Land $200,000 Building $284,940
2025	$2,491.00	$484,940 Land $200,000 Building $284,940	$484,940 Land $200,000 Building $284,940
2024	$2,491.00 (+212.16%)
2023	$798.00	$160,000 Land $160,000	$160,000 Land $160,000

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

Flood

FEMA maps place 120 Dory Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	34 (1992–2018)
Claims Outside the SFHA	13 of 34
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 16 claims Hurricane Irene, Aug 2011 · 10 claims Hurricane Isabel, Sep 2003 · 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 120 Dory Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20