128 N Main St, Dover, NC 28526 Property Records

Craven County property record for 128 N Main St, Dover, NC 28526

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 972 sqft · built 1934
Lot Size	0.295 acres (12,874 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Feb 2021)
Tax Bill	$582 (2024)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-D-06-046`

Property Details

APN / Parcel Number

Primary APN	`3-D-06-046`
Alternative APN	`132525`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	972 sqft Living Area
1st Floor Area	1,196 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1934
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Metal
Lot Area	12,874 sqft (0.295 acres)
Garage Type	Attached
Greenhouse	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	132525
Old Parcel Number	3-D-06-046
Street Address	128 N MAIN ST
City	DOVER
State	NC
Zip	28526-8822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SURVEY FOR LYNN E HOWELL ESTATE
Legal Subdivision	SURVEY FOR LYNN E HOWELL ESTATE
Legal Lot Number	3
Jurisdiction	CRAVEN NC
Township / Civil Division	3
Census Block Group	3
Census Block	3022
Census Tract	960302

Owner

Source: Craven County records, as of October 6, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	524 CYPRESS DR, RAEFORD, NC 28376-5323
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jan 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2021 · Amount on Record
Deed Sale	Feb 17, 2021 · Amount on Record
Deed Document Number	0036541315
Deed Book / Page	3654 / 1315
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Feb 17, 2021
Property Address	128 N MAIN ST, DOVER, NC 28526-8822
Document Number	3654/1315
Book / Page	3654 / 1315
Map Reference	CAB G SL 21-A
Instrument Date	Feb 17, 2021
Instrument	10069894
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1404 W HIGHLAND ST, 1404, ALLENTOWN, PA 18102-1029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 CYPRESS DR, RAEFORD, NC 28376-5323

Mortgage

Document Number	36541318
Date	Feb 17, 2021
Instrument	3654/1318

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	128 N MAIN ST, DOVER, NC 28526-8822
Transaction Type	Mortgage
Record Updated	Feb 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 10002688
Date	Jan 27, 2017
Book Page	3490/0794
Instrument	10002688

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Craven County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Craven County
Municipality	Dover Town
Unified School District	Craven County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$60,770 (-) Land $8,000 Building $52,770	$60,770 (-) Land $8,000 Building $52,770
2024	$582.00 (+4.3%)
2023	$558.00	$60,770 (+14.6%) Land $8,000 Building $52,770	$60,770 (+14.6%) Land $8,000 Building $52,770
2022	$558.00	$53,030 Land $8,000 Building $45,030
2018			$53,030 Land $8,000 Building $45,030

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2010 · Severe Storms, Flooding, And Straight-line Winds

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	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	TOWN OF DOVER serves 425 people · EPA ID NC0425025
Water Source	Groundwater
Last State Inspection	May 2026
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	3 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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