122 Shepard St, Havelock, NC 28532 Property Records

Craven County property record for 122 Shepard St, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,200 sqft · built 1970
Lot Size	0.309 acres (13,470 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Feb 2018)
Tax Bill	$2,467 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6-101-051`

Property Details

APN / Parcel Number

Primary APN	`6-101-051`
Alternative APN	`68452`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,200 sqft Living Area
1st Floor Area	2,200 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,470 sqft (0.309 acres)
Storage Building	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	68452
Street Address	122 SHEPARD ST
City	HAVELOCK
State	NC
Zip	28532-2401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 51 SEC 2 TRYON
Legal Subdivision	TRYON PARK
Legal Lot Number	51
Jurisdiction	CRAVEN NC
Township / Civil Division	6
Census Block Group	2
Census Block	2045
Census Tract	961301

Owner

122 Shepard St is owned and occupied by an individual who bought it in February 2018.

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

Owner of Record	Individual Name on File
Mailing Address	122 SHEPARD ST, HAVELOCK, NC 28532-2401
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

Date	Document
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 27, 2018	Deed of Trust, Mortgage QUICKEN LOAN INC
Feb 16, 2018	Deed of Trust, Mortgage FIRST CITIZEN B&T CO
Feb 16, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2018 · Amount on File
Deed Sale	Feb 16, 2018 · Amount on File
Deed Document Number	201810018730
Deed Book / Page	3527 / 903
Prior Transfer Date	Jul 28, 2006
Prior Transfer Doc	02506/0850
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	122 SHEPARD ST, HAVELOCK, NC 28532-2401
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03636/1904
Date	Oct 26, 2020
Book Page	3636/1904
Instrument	10063464

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	325 Months
Due	Nov 1, 2047

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	122 SHEPARD ST, HAVELOCK, NC 28532-2401
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000010019083
Date	Feb 27, 2018
Instrument	000010019083

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	122 SHEPARD ST, HAVELOCK, NC 28532-2401
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003527/0000000906
Date	Feb 16, 2018
Book Page	0000003527/0000000906
Instrument	000010018731

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Amount	Amount on Record

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Feb 16, 2018
Property Address	122 SHEPARD ST, HAVELOCK, NC 28532-2401
Document Number	003527/903
Book / Page	3527 / 903
Instrument Date	Jan 24, 2018
Instrument	000010018730
Transaction Type	Transfer
Record Updated	Aug 22, 2022

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	2807 NEUSE BLVD, NEW BERN, NC 28562-2815

Tax Assessment & Valuation

The 2026 property tax bill for 122 Shepard St was $2,467, up 2.5% from the year before.

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	$2,467.00 (+2.49%)	$200,520 (-) Land $35,000 Building $165,520	$200,520 (-) Land $35,000 Building $165,520
2025	$2,407.00	$200,520 Land $35,000 Building $165,520	$200,520 Land $35,000 Building $165,520
2023	$2,315.00 (+21.2%)	$200,520 (+24.61%) Land $35,000 Building $165,520	$200,520 Land $35,000 Building $165,520
2022	$1,910.00	$160,920 Land $30,000 Building $130,920
2018			$160,920 Land $30,000 Building $130,920

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

Flood

FEMA maps place 122 Shepard St 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	Hurricane Florence, Sep 2018 · 11 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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 122 Shepard St is moderate, ranking above 53% 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 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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