1607 Cool Springs Rd, Ernul, NC 28527 Property Records

Craven County property record for 1607 Cool Springs Rd, Ernul, NC 28527

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,188 sqft · built 1999
Lot Size	0.459 acres (20,015 sqft)
Owner	2 Individual Names on Record
Last Sale	$163,500 (Mar 2026)
Tax Bill	$658 (2026)
Deeds & Mortgages	Jan 2025 Mortgage Mar 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2-045-1-019`

Property Details

APN / Parcel Number

Primary APN	`2-045-1-019`
Alternative APN	`91566`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,015 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	91566
Street Address	1607 COOL SPRINGS RD
City	ERNUL
State	NC
Zip	28527-9797
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 19 COUNTRY LIVING PH I
Legal Subdivision	COUNTY LIVING SUBDIVISION
Legal Phase	I
Legal Lot Number	19
Jurisdiction	CRAVEN NC
Township / Civil Division	2
Census Block Group	3
Census Block	3000
Census Tract	960102

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1607 COOL SPRINGS RD, ERNUL, NC 28527-9797
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Mar 30, 2026	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Nov 22, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Mar 8, 2019	Deed, Transfer · Stand-Alone Refinance BRANCH BANKING AND TRUST CO
Oct 23, 2006	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on Record
Deed Sale	Mar 30, 2026 · Amount on Record
Prior Sale	Jun 2, 2025 · Amount on Record
Deed Document Number	202610154134
Deed Book / Page	3874 / 782
Prior Transfer Date	Oct 25, 2005
Prior Transfer Doc	2373/0813
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	1607 COOL SPRINGS RD, ERNUL, NC 28527-9797
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1607 COOL SPRINGS RD, ERNUL, NC 28527-9797

Mortgage

Document Number	03823/1506
Date	Jan 2, 2025
Book Page	3823/1506
Instrument	10135474

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME
Type	Non-Lending Institution
Address	451 7TH ST SW, WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Dec 1, 2051

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Mar 30, 2026
Property Address	1607 COOL SPRINGS RD, ERNUL, NC 28527-9797
Document Number	003874/782
Book / Page	3874 / 782
Map Reference	CAB G SL 79-F
Instrument Date	Mar 24, 2026
Instrument	10154134
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$327.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 LUCYNDA AVE, GRANTSBORO, NC 28529-5806

Mortgage

Document Number	0003874785
Date	Mar 30, 2026
Instrument	3874/785

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Mortgage

Document Number	003874/804
Date	Mar 30, 2026
Book Page	3874/804
Instrument	10154136

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	8024 CALVIN HALL RD, INDIAN LAND, SC 29707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2036

Interest

Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Nov 22, 2021
Property Address	1607 COOL SPRINGS RD, ERNUL, NC 28527-9797
Document Number	3700/2030
Book / Page	3700 / 2030
Map Reference	CAB G SL 79-F
Instrument Date	Nov 17, 2021
Instrument	10087304
Transaction Type	Transfer
Record Updated	Dec 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1607 COOL SPRINGS RD, ERNUL, NC 28527-9797

Mortgage

Document Number	37002033
Date	Nov 22, 2021
Instrument	3700/2033

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CRAVEN NC
Recording Date	Mar 8, 2019
Property Address	1607 COOL SPRINGS RD, ERNUL, NC 28527-9797
Document Number	3563/887
Book / Page	3563 / 887
Instrument Date	Jul 3, 2018
Instrument	10034735
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	1607 COOL SPRINGS RD, ERNUL, NC 28527-9797

Mortgage

Document Number	003563/891
Date	Mar 8, 2019
Book Page	3563/891
Instrument	10034736

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

October 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Oct 23, 2006
Property Address	1607 COOL SPRINGS RD, ERNUL, NC 28527-9797
Document Number	2523/0140
Book / Page	2523 / 0140
Map Reference	CAB G SL79-F
Instrument Date	Oct 17, 2006
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1607 COOL SPRINGS RD, ERNUL, NC 28527-9797

Mortgage

Document Number	02523/0143
Date	Oct 23, 2006
Book Page	2523/0143

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

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	$658.00 (-4.36%)	$118,580 (-) Land $20,000 Building $98,580	$118,580 (-) Land $20,000 Building $98,580
2025	$688.00 (+1.78%)	$118,580 (-4.79%) Land $20,000 Building $98,580	$118,580 (-4.79%) Land $20,000 Building $98,580
2023	$676.00 (+29.75%)	$124,540 (+68.75%) Land $20,000 Building $104,540	$124,540 (+68.75%) Land $20,000 Building $104,540
2022	$521.00	$73,800 Land $20,000 Building $53,800
2018			$73,800 Land $20,000 Building $53,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 119 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	119 in force
Nearby Flood Claims	216 (1987–2022)
Claims Outside the SFHA	7 of 216
Most Recent Claim	Jan 2022 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 84 claims Hurricane Irene, Aug 2011 · 36 claims Hurricane Fran, Oct 1996 · 46 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

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% 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	FIRST CRAVEN SANITARY DISTRICT serves 6,325 people · EPA ID NC0425040
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	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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