207 Pollock St, New Bern, NC 28560 Property Records

Craven County property record for 207 Pollock St, New Bern, NC 28560

Property Summary

Property Type	Bed & Breakfast
Details	1,983 sqft · built 1887
Lot Size	0.154 acres (6,692 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Feb 2021)
Tax Bill	$5,651 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`8-001-B-165`

Property Details

APN / Parcel Number

Primary APN	`8-001-B-165`
Alternative APN	`102143`

Interior

Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,983 sqft Living Area
Gross Area	1,815 sqft
1st Floor Area	3,606 sqft
Flooring	Hardwood

Exterior

Year Built	Built 1887
Effective Year Built	Effective 1887
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Metal
Lot Area	6,692 sqft (0.154 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	102143
Street Address	207 POLLOCK ST
City	NEW BERN
State	NC
Zip	28560-4942
Property Category	Commercial
Property Type	Commercial > Retail > Bed & Breakfast
Local Zoning Code	NC2
Legal Description	207 POLLOCK ST
Legal Subdivision	A L WATERS PROP
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	1
Census Block	1007
Census Tract	960900

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	207 POLLOCK ST, NEW BERN, NC 28560-4942
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Feb 8, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2021 · Amount on Record
Deed Sale	Feb 8, 2021 · Amount on Record
Prior Sale	May 25, 2007 · Amount on Record
Deed Document Number	202110069370
Deed Book / Page	3653 / 308
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Recording Date	Apr 27, 2026
Property Address	207 POLLOCK ST, NEW BERN, NC 28560-4942
Document Number	0010155353
Book / Page	3877 / 2061
Instrument Date	Apr 22, 2026
Instrument	202610155353
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 POLLOCK ST, NEW BERN, NC 28560-4942

Mortgage

Document Number	0010155353,
Date	Apr 27, 2026
Book Page	3877/2061
Instrument	202610155353

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Feb 8, 2021
Property Address	207 POLLOCK ST, NEW BERN, NC 28560-4942
Document Number	3653/308
Book / Page	3653 / 308
Instrument Date	Feb 4, 2021
Instrument	10069370
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 POLLOCK ST, NEW BERN, NC 28560-4942

Mortgage

Document Number	3653312
Date	Feb 8, 2021
Instrument	3653/312

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Craven County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Craven County
Municipality	New Bern City
Unified School District	Craven County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,651.00 (+8.51%)	$620,430 (+4.83%) Land $99,790 Building $520,640	$620,430 (+4.83%) Land $99,790 Building $520,640
2025	$5,208.00 (+11.19%)	$591,860 (+19.93%) Land $99,790 Building $492,070	$591,860 (+19.93%) Land $99,790 Building $492,070
2023	$4,684.00 (+4.72%)	$493,520 (+31.91%) Land $99,790 Building $393,730	$493,520 (+31.91%) Land $99,790 Building $393,730
2022	$4,473.00	$374,120 Land $103,310 Building $270,810
2018			$374,120 Land $103,310 Building $270,810

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

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 222 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	383 units insured incl. 161 condo units
Nearby Flood Claims	414 (1979–2023)
Claims Outside the SFHA	24 of 414
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 187 claims Hurricane Irene, Aug 2011 · 72 claims Hurricane Fran, Oct 1996 · 73 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	Not rated no burnable land within 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 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

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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed, Optimum, T-Mobile.

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