185 Chips Rd, Vanceboro, NC 28586 Property Records

Craven County property record for 185 Chips Rd, Vanceboro, NC 28586

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,300 sqft · built 1970
Lot Size	0.459 acres (20,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$141,000 (Nov 2021)
Tax Bill	$674 (2026)
Deeds & Mortgages	Dec 2021 Transfer Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`1-038-1-027`

Property Details

APN / Parcel Number

Primary APN	`1-038-1-027`
Alternative APN	`94277`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,001 sqft (0.459 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	94277
Street Address	185 CHIPS RD
City	VANCEBORO
State	NC
Zip	28586-8793
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 27 WEST CRAVEN HEIGHTS SUBDIVISION
Legal Subdivision	WEST CRAVEN HEIGHTS
Legal Lot Number	27
Jurisdiction	CRAVEN NC
Township / Civil Division	1
Census Block Group	1
Census Block	1031
Census Tract	960201

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	185 CHIPS RD, VANCEBORO, NC 28586-8793
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Intrafamily Transfer, Transfer
Nov 5, 2021	Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jul 11, 2017	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2021 · Amount on Record
Deed Sale	Nov 5, 2021 · Amount on Record
Prior Sale	Jul 11, 2017 · Amount on Record
Deed Document Number	202110086464
Deed Book / Page	3698 / 1485
Prior Transfer Date	Mar 21, 2016
Prior Transfer Doc	03427/0152
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CRAVEN NC
Recording Date	Dec 17, 2021
Property Address	185 CHIPS RD, VANCEBORO, NC 28586-8793
Document Number	03704/2049
Book / Page	3704 / 2049
Map Reference	MB 11 PG 56
Instrument Date	Dec 10, 2021
Instrument	10088785
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	185 CHIPS RD, VANCEBORO, NC 28586-8793

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CRAVEN NC
Recording Date	Nov 5, 2021
Property Address	185 CHIPS RD, VANCEBORO, NC 28586-8793
Document Number	03698/1485
Book / Page	3698 / 1485
Map Reference	MB 11 PG 56
Instrument Date	Oct 20, 2021
Instrument	10086464
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$282.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CHIPS RD, VANCEBORO, NC 28586-8793

Mortgage

Document Number	0036981488
Date	Nov 5, 2021
Instrument	3698/1488

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

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

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Jul 11, 2017
Property Address	185 CHIPS RD, VANCEBORO, NC 28586-8793
Document Number	03507/0490
Book / Page	3507 / 0490
Map Reference	MB 11 PG 56
Instrument Date	May 17, 2017
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 RIVER BLUFFS DR, 120, NEW BERN, NC 28560-8496

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CHIPS RD, VANCEBORO, NC 28586-8793

Mortgage

Document Number	03507/0493
Date	Jul 11, 2017
Book Page	3507/0493

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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	$674.00	$129,620 (-) Land $28,000 Building $101,620	$129,620 (-) Land $28,000 Building $101,620
2025	$674.00 (+1.81%)	$129,620 (-) Land $28,000 Building $101,620	$129,620 (-) Land $28,000 Building $101,620
2023	$662.00 (+40.55%)	$129,620 (+84.15%) Land $28,000 Building $101,620	$129,620 (+84.15%) Land $28,000 Building $101,620
2022	$471.00	$70,390 Land $25,000 Building $45,390
2018			$70,390 Land $25,000 Building $45,390

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 63 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	16 (2016–2021)
Claims Outside the SFHA	3 of 16
Most Recent Claim	Mar 2021 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 4 claims Hurricane Matthew, Oct 2016 · 10 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	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.04% 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	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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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