197 S Harbor Dr, Davis, NC 28524 Property Records

Carteret County property record for 197 S Harbor Dr, Davis, NC 28524

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,168 sqft · built 1977
Lot Size	0.357 acres (15,551 sqft)
Owner	Individual Name on File
Tax Bill	$969 (2025)
Deeds & Mortgages	Mar 2020 Loan Modification Feb 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`7369.03.43.2974000`

Property Details

APN / Parcel Number

Primary APN	`7369.03.43.2974000`
Alternative APNs	`531465` `34229`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,168 sqft Heated Area
Gross Area	1,714 sqft
1st Floor Area	768 sqft
Basement Area	400 sqft
Finished Basement	400 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1984
Architectural Style	Cottage
Exterior Material	Fiber Cement Siding
Foundation Type	Pile
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,551 sqft (0.357 acres)
Lot Dimensions	105 ft deep x 150 ft wide
View / Lot	Waterfront - Canal
Deck Area	137 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	34229
Street Address	197 S HARBOR DR
City	DAVIS
State	NC
Zip	28524-7025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR2 FIELDS - HARBOR CANAL DAVIS
Legal Tract	2
Legal Block	43
Jurisdiction	CARTERET NC
Township / Civil Division	DAVIS
Census Block Group	1
Census Block	1022
Census Tract	970102

Owner

197 S Harbor Dr, a single family home, is owned by an individual.

Source: Carteret County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	191 POLICE TOWER RD, APPOMATTOX, VA 24522-8688
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
Mar 24, 2020	Loan Modification, Mortgage · Conventional with PMI US SMALL BUSN ADMN
Feb 6, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Oct 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI
Mar 19, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARTERET NC
Property Address	197 S HARBOR DR, DAVIS, NC 28524-7025
Document Number	0016670204
Instrument Date	Mar 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 S HARBOR DR DAVIS NC 285247025, DAVIS, NC 28524-7025

Mortgage

Document Number	0016670204
Date	Mar 26, 2020
Book Page	001667/000204

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	336 Months
Due	Mar 25, 2048

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	197 S HARBOR DR, DAVIS, NC 28524-7025
Document Number	0016290375
Instrument Date	Feb 6, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2019
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 S HARBOR DR DAVIS NC 285247025, DAVIS, NC 28524-7025

Mortgage

Document Number	0016290375
Date	Feb 11, 2019
Book Page	001629/000375

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 10, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	197 S HARBOR DR, DAVIS, NC 28524-7025
Document Number	0016360299
Instrument Date	Oct 2, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 S HARBOR DR DAVIS NC 285247025, DAVIS, NC 28524-7025

Mortgage

Document Number	0016360299
Date	May 1, 2019
Book Page	001636/000299

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 30, 2034

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Mar 19, 2018
Property Address	197 S HARBOR DR, DAVIS, NC 28524-7025
Document Number	0016030032
Book / Page	001603 / 000032
Instrument Date	Feb 20, 2018
Transaction Type	Transfer
Record Updated	Jun 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$314.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 POLICE TOWER RD APPOMATTOX VA 245228688, APPOMATTOX, VA 24522-8688
Investor	Possibly a Property Investor

Mortgage

Document Number	16030033
Date	Mar 19, 2018
Book Page	001603/000033

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 197 S Harbor Dr was $969.

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$238,775 (-) Land $61,864 Building $176,911	$238,775 (-) Land $61,864 Building $176,911
2025	$969.00	$238,775 Land $61,864 Building $176,911	$238,775 Land $61,864 Building $176,911
2023		$113,760 Land $65,430 Building $48,330	$113,760 Land $65,430 Building $48,330
2022	$757.00

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

Flood

FEMA maps place 197 S Harbor Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 128 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	128 in force
Nearby Flood Claims	872 (1982–2025)
Claims Outside the SFHA	11 of 872
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 181 claims Hurricane Irene, Aug 2011 · 171 claims Hurricane Isabel, Sep 2003 · 233 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 197 S Harbor Dr is high, ranking above 76% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 96% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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