121 Spinnaker Ln, Havelock, NC 28532 Property Records

Craven County property record for 121 Spinnaker Ln, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,986 sqft · built 2026
Lot Size	0.941 acres (40,990 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Oct 2025)
Tax Bill	$524 (2025)
Deeds & Mortgages	Feb 2026 Construction Loan Oct 2025 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`5-012-1-005`

Property Details

APN / Parcel Number

Primary APN	`5-012-1-005`
Alternative APNs	`122220` `29328`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,986 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2026
Effective Year Built	Effective 2026
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,990 sqft (0.941 acres)
Lot Dimensions	415 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	122220
Street Address	121 SPINNAKER LN
City	HAVELOCK
State	NC
Zip	28532-8995
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 THE MOORINGS SCT 1
Legal Subdivision	5503
Legal Lot Number	5
Jurisdiction	CRAVEN NC
Township / Civil Division	5
Census Block Group	3
Census Block	3016
Census Tract	961303

Owner

121 Spinnaker Ln is owned by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	5025 HILLTOP NEEDMORE RD, FUQUAY VARINA, NC 27526-9268
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

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST BANK
Oct 13, 2025	Warranty Deed, Transfer
Apr 14, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2025 · Amount on File
Deed Sale	Oct 13, 2025 · Amount on File
Prior Sale	Apr 14, 2023 · Amount on File
Deed Document Number	202510147247
Deed Book / Page	3855 / 682
Prior Transfer Date	Oct 17, 2012
Prior Transfer Doc	3137/0724
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	121 SPINNAKER LN, HAVELOCK, NC 28532-8995
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03870/1215
Date	Feb 26, 2026
Book Page	3870/1215
Instrument	10152814

Lender

Name	FIRST BANK
Type	Bank
Address	101 N SPRING ST, GREENSBORO, NC 27401

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Mar 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2037
Change Frequency	6 Months
Min Rate At Change	6.25%
Max Rate At Change	11.2%
Index	Other
Max Rate	11.2%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Oct 13, 2025
Property Address	121 SPINNAKER LN, HAVELOCK, NC 28532-8995
Document Number	003855/682
Book / Page	3855 / 682
Map Reference	CAB G SLS 16 F&G
Instrument Date	Oct 3, 2025
Instrument	10147247
Transaction Type	Transfer
Record Updated	Oct 22, 2025

Transaction

Amount	Amount on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5025 HILLTOP NEEDMORE RD, FUQUAY VARINA, NC 27526-9268

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Apr 14, 2023
Property Address	121 SPINNAKER LN, HAVELOCK, NC 28532-8995
Document Number	03760/2147
Book / Page	3760 / 2147
Map Reference	CAB G SL 16 F&G
Instrument Date	Mar 22, 2023
Instrument	10111360
Transaction Type	Transfer
Record Updated	Apr 28, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$204.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3602 EMERALD DR, EMERALD ISLE, NC 28594-3803

Mortgage

Document Number	0037602150
Date	Apr 14, 2023
Instrument	3760/2150

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	5.37%
Max Rate At Change	9.37%
Index	1-Year T-Bill
Margin	4
Max Rate	13.3%

Tax Assessment & Valuation

The 2025 property tax bill for 121 Spinnaker Ln was $524.

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		$398,540 (+278.88%) Land $123,750 Building $274,790	$398,540 (+278.88%) Land $123,750 Building $274,790
2025	$524.00	$105,190 Land $105,190	$105,190 Land $105,190
2023	$524.00 (-40.18%)	$105,190 (-25%) Land $105,190	$105,190 Land $105,190
2022	$876.00	$140,250 Land $140,250
2018			$140,250 Land $140,250

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

Flood

FEMA maps place 121 Spinnaker Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 41 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	15 (2011–2024)
Claims Outside the SFHA	10 of 15
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 13 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 121 Spinnaker Ln is moderate, ranking above 45% 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 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.07% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spinnaker Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures