Craven County property record for 2016 Spencer Ave, New Bern, NC 28560
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,526 sqft · built 1965 |
| Lot Size | 0.486 acres (21,160 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Jun 2025) |
| Tax Bill | $2,104 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8-025-132 |
| Primary APN | 8-025-132 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,526 sqft Living Area |
| 1st Floor Area | 1,590 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 21,160 sqft (0.486 acres) |
| Storage Building | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 108500 |
|---|---|
| Street Address | 2016 SPENCER AVE |
| City | NEW BERN |
| State | NC |
| Zip | 28560-5428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR15 |
| Legal Description | 2014-16 SPENCER AVE; LOT 815 & 813 GHENT |
| Legal Subdivision | GHENT |
| Legal Lot Number | 813,815 |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 960700 |
Source: Craven County records, as of May 8, 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 | 2016 SPENCER AVE, NEW BERN, NC 28560-5428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2026 | Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE |
| Mar 13, 2026 | Deed of Trust, Mortgage · VA Mortgage NBKC BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2025 · Amount on Record |
| Deed Sale | Jun 10, 2025 · Amount on Record |
| Prior Sale | Apr 29, 1988 · Amount on Record |
| Deed Document Number | 202510141763 |
| Deed Book / Page | 3840 / 1117 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Jul 23, 2026 |
| Property Address | 2016 SPENCER AVE, NEW BERN, NC 28560-5428 |
| Document Number | 0010159299 |
| Book / Page | 3889 / 301 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 202610159299 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80,194.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2016 SPENCER AVE, NEW BERN, NC 28560-5428 |
| Document Number | 0010159300, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 202610159300 |
| Name | ATLANTIC BAY MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 2016 SPENCER AVE, NEW BERN, NC 28560-5428 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 003872/933 |
|---|---|
| Date | Mar 13, 2026 |
| Book Page | 3872/933 |
| Instrument | 10153473 |
| Name | NBKC BANK |
|---|---|
| Type | Bank |
| Address | 8320 WARD PKWY, KANSAS CITY, MO 64114 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
Source: Craven County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Craven County |
| Municipality | New Bern City |
| Unified School District | Craven County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,104.00 (+1.79%) | $255,190 (+4.82%) Land $38,400 Building $216,790 | $255,190 (+4.82%) Land $38,400 Building $216,790 |
| 2023 | $2,067.00 (+31.15%) | $243,450 (+67.29%) Land $38,400 Building $205,050 | $243,450 (+67.29%) Land $38,400 Building $205,050 |
| 2022 | $1,576.00 | $145,530 Land $33,600 Building $111,930 | |
| 2018 | $145,530 Land $33,600 Building $111,930 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 22 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 10 (1981–2018) |
| Claims Outside the SFHA | 4 of 10 |
| 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 | Low lower than 97% of the US · lower than 98.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF NEW BERN serves 37,884 people · EPA ID NC0425010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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