2003 Cambridge Dr, Kinston, NC 28504 Property Records

Lenoir County property record for 2003 Cambridge Dr, Kinston, NC 28504

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,498 sqft · built 1973
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on File
Last Sale	$379,500 (Apr 2023)
Tax Bill	$5,248 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`451615636184`

Property Details

APN / Parcel Number

Primary APN	`451615636184`
Alternative APN	`7766`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,498 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1982
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	118 ft deep x 173 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	148 sqft
Utility Building	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	2003 CAMBRIDGE DR
City	KINSTON
State	NC
Zip	28504-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA8
Legal Description	2003 CAMBRIDGE DR 2003 CAMBRIDGE DR
Legal Subdivision	SHERWOOD FOREST
Jurisdiction	LENOIR NC
Township / Civil Division	KINSTON
Census Block Group	3
Census Block	3029
Census Tract	10800

Owner

2003 Cambridge Dr is owned and occupied by an individual who bought it in April 2023.

Source: Lenoir County records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	2003 CAMBRIDGE DR, KINSTON, NC 28504-2009
Occupancy	Owner Occupied
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
Jul 27, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT LP
Apr 14, 2023	Warranty Deed, Transfer · FHA Mortgage EMM LOANS LLC
Jan 7, 2022	Warranty Deed, Transfer
May 19, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Mar 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2023 · Amount on File
Deed Sale	Apr 14, 2023 · Amount on File
Prior Sale	Mar 29, 2023 · Amount on File
Deed Book / Page	1986 / 319
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENOIR NC
Recording Date	Jul 27, 2026
Property Address	2003 CAMBRIDGE DR, KINSTON, NC 28504-2009
Document Number	2097000835
Book / Page	2097 / 835
Instrument Date	Jul 1, 2026
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2003 CAMBRIDGE DR, KINSTON, NC 28504-2009
Investor	Possibly a Property Investor

Mortgage

Document Number	2097000835,
Date	Jul 27, 2026
Book Page	2097/835

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	322 Months
Due	May 1, 2053

Interest

Rate	6.48%
Max Rate	-1%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENOIR NC
Recording Date	Apr 14, 2023
Property Address	2003 CAMBRIDGE DR, KINSTON, NC 28504-2009
Document Number	0019860319
Book / Page	1986 / 319
Map Reference	MB 14 PG 118
Instrument Date	Apr 10, 2023
Transaction Type	Transfer
Record Updated	May 4, 2023
Title Company	NOT AVAILABLE, INVESTORS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	414 N QUEEN ST, KINSTON, NC 28501-4328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2003 CAMBRIDGE DR, KINSTON, NC 28504-2009
Investor	Possibly a Property Investor

Mortgage

Document Number	0001986321
Date	Apr 14, 2023
Instrument	1986/321

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENOIR NC
Recording Date	Jan 7, 2022
Property Address	2003 CAMBRIDGE DR, KINSTON, NC 28504-2009
Document Number	0019420429
Book / Page	1942 / 429
Map Reference	MB 14 PG 118
Instrument Date	Jan 7, 2022
Transaction Type	Transfer
Record Updated	Feb 25, 2022

Transaction

Amount	Amount on Record
Tax	$310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 N QUEEN ST, KINSTON, NC 28501-4328

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENOIR NC
Recording Date	May 19, 2020
Property Address	2003 CAMBRIDGE DR, KINSTON, NC 28504-2009
Document Number	0018830628
Book / Page	001883 / 000628
Instrument Date	May 14, 2020
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$150.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1140 KINSTON NC 285031140, KINSTON, NC 28503-1140

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENOIR NC
Property Address	2003 CAMBRIDGE DR, KINSTON, NC 28504-2009
Document Number	0018240841
Instrument Date	Mar 13, 2018
Transaction Type	Mortgage
Record Updated	Mar 26, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2003 CAMBRIDGE DR KINSTON NC 285042009, KINSTON, NC 28504-2009

Mortgage

Document Number	0018240841
Date	Mar 19, 2018
Book Page	001824/000841

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 2003 Cambridge Dr was $5,248, down 2.9% from the year before.

Source: Lenoir County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Lenoir County
Municipality	Kinston City
Unified School District	Lenoir County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,248.00 (-2.85%)	$384,526 (-) Land $24,744 Building $359,782	$384,526 (-) Land $24,744 Building $359,782
2025	$5,402.00	$384,526 Land $24,744 Building $359,782	$384,526 Land $24,744 Building $359,782
2023	$3,626.00	$224,558 Land $35,000 Building $189,558	$224,558 Land $35,000 Building $189,558

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

Flood

FEMA maps place 2003 Cambridge Dr in Zone X, an area of minimal flood risk, though there have been 37 flood claims nearby since 1983.

Source: FEMA National Flood Hazard Layer, effective June 18, 2020 · 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 File median of 24 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	37 (1983–2020)
Claims Outside the SFHA	5 of 37
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 5 claims Hurricane Matthew, Oct 2016 · 11 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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

Wildfire risk around 2003 Cambridge Dr is low, with a 0.01% annual chance of 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	None beyond ember reach

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	CITY OF KINSTON serves 27,475 people · EPA ID NC0454010
Water Source	Purchased surface water from NEUSE REGIONAL WTR & SWR AUTH
Last State Inspection	Apr 2025
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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