Pamlico County property record for 197 Florence St, New Bern, NC 28560
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,075 sqft · built 1993 |
| Lot Size | 0.498 acres (21,693 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $9,500 (Aug 1993) |
| Tax Bill | $339 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D061-188-413 |
| Primary APN | D061-188-413 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,075 sqft Finished Area |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 21,693 sqft (0.498 acres) |
| Porch | Open Porch |
| Porch Area | 68 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 7718 |
|---|---|
| Street Address | 197 FLORENCE ST |
| City | NEW BERN |
| State | NC |
| Zip | 28560-5760 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 413 PINEDALE FLORENCE ST 0004057 6520379651000 |
| Legal Lot Number | 413 |
| Jurisdiction | PAMLICO NC |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 950101 |
Source: Pamlico County records, as of October 20, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 197 FLORENCE ST, NEW BERN, NC 28560-5760 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2024 | Deed of Trust, Mortgage · Conventional Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY |
| Oct 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 1993 · Amount on Record |
| Deed Sale | Aug 1, 1993 · Amount on Record |
| Deed Document Number | 0000029165 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PAMLICO NC |
| Property Address | 197 FLORENCE ST, NEW BERN, NC 28560-5760 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 197 FLORENCE ST, NEW BERN, NC 28560-5760 |
| Document Number | 0000724/53 |
|---|---|
| Date | Mar 27, 2024 |
| Book Page | 724/53 |
| Name | NORTH CAROLINA HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 26, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PAMLICO NC |
| Property Address | 197 FLORENCE ST, NEW BERN, NC 28560-5760 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 0000630546 |
|---|---|
| Date | Oct 11, 2017 |
| Book Page | 630/546 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2027 |
Source: Pamlico County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Pamlico County |
| Unified School District | Pamlico County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $339.00 (+3.04%) | $93,286 (-) Land $14,940 Building $78,346 | $93,286 (-) Land $14,940 Building $78,346 |
| 2023 | $329.00 | $93,286 Land $14,940 Building $78,346 | $93,286 Land $14,940 Building $78,346 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 10, 2021 · 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 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 55 (1985–2018) |
| Claims Outside the SFHA | 4 of 55 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 65% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FAIRFIELD HARBOUR private · serves 5,514 people · EPA ID NC0425132 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Also Mapped Here | PAMLICO COUNTY WATER |
| Lead | 5 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2020 |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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