207 Stephen Ct, Havelock, NC 28532 Property Records

Craven County property record for 207 Stephen Ct, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 972 sqft · built 2016
Lot Size	0.364 acres (15,863 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Mar 2017)
Tax Bill	$1,363 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5-006-9-021`

Property Details

APN / Parcel Number

Primary APN	`5-006-9-021`
Alternative APN	`114825`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	972 sqft Living Area
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,863 sqft (0.364 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	114825
Street Address	207 STEPHEN CT
City	HAVELOCK
State	NC
Zip	28532-6102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 CHERRY BRANCH - KING CREEK PH 2
Legal Subdivision	CHERRY BRANCH
Legal Phase	2
Legal Lot Number	21
Jurisdiction	CRAVEN NC
Township / Civil Division	5
Census Block Group	2
Census Block	2008
Census Tract	961303

Owner

Source: Craven County records, as of December 18, 2025

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 STEPHEN CT, HAVELOCK, NC 28532-6102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC
Mar 31, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2017 · Amount on Record
Deed Sale	Mar 31, 2017 · Amount on Record
Prior Sale	Mar 13, 2015 · Amount on Record
Deed Book / Page	3496 / 1631
Prior Transfer Date	Mar 10, 2017
Prior Transfer Doc	3496/1631
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	207 STEPHEN CT, HAVELOCK, NC 28532-6102
Transaction Type	Mortgage
Record Updated	Dec 23, 2025
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 STEPHEN CT, HAVELOCK, NC 28532-6102

Mortgage

Document Number	03862/1879
Date	Dec 12, 2025
Book Page	3862/1879
Instrument	10149949

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	4555 LAKE FOREST DR STE 450, BLUE ASH, OH 45242

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Mar 31, 2017
Property Address	207 STEPHEN CT, HAVELOCK, NC 28532-6102
Document Number	3496/1631
Book / Page	3496 / 1631
Map Reference	PL CAB 1 SH 54 G
Instrument Date	Mar 10, 2017
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 FRONT ST STE 5, 410, BEAUFORT, NC 28516-2153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 STEPHEN CT, HAVELOCK, NC 28532-6102

Mortgage

Document Number	3496/1634
Date	Mar 31, 2017
Book Page	3496/1634
Instrument	10005538

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: Craven County assessment roll, as of October 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,363.00	$312,290 (-) Land $45,000 Building $267,290	$312,290 (-) Land $45,000 Building $267,290
2023	$1,363.00 (+25.39%)	$312,290 (+45.87%) Land $45,000 Building $267,290	$312,290 (+45.87%) Land $45,000 Building $267,290
2022	$1,087.00	$214,090 Land $35,000 Building $179,090
2018			$214,090 Land $35,000 Building $179,090

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	34 (1992–2018)
Claims Outside the SFHA	13 of 34
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 16 claims Hurricane Irene, Aug 2011 · 10 claims Hurricane Isabel, Sep 2003 · 2 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	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	CRAVEN COUNTY WATER SYSTEM serves 37,848 people · EPA ID NC0425055
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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