215 River Rd, Arapahoe, NC 28510 Property Records

Pamlico County property record for 215 River Rd, Arapahoe, NC 28510

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,100 sqft · built 2023
Lot Size	0.361 acres (15,725 sqft)
Owner	2 Individual Names on File
Last Sale	$685,000 (Nov 2025)
Tax Bill	$1,480 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2024 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`G101-82`

Property Details

APN / Parcel Number

Primary APN	`G101-82`
Alternative APNs	`6465337222000` `22429`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,100 sqft Finished Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Frame
Lot Area	15,725 sqft (0.361 acres)
Garage Area	1,054 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio
Porch Area	380 sqft
Deck Area	48 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	22429
Street Address	215 RIVER RD
City	ARAPAHOE
State	NC
Zip	28510-9501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH SIDE SR 1304 6465337222000
Legal Subdivision	BRIAN & FLORENCE KEARNEY SURV
Jurisdiction	PAMLICO NC
Township / Civil Division	5
Census Block Group	2
Census Block	2006
Census Tract	950203

Owner

215 River Rd is owned by two individuals who bought it in November 2025.

Source: Pamlico County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	648 FIELDTRIAL CIR, GARNER, NC 27529-8696
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage LENNAR MORTGAGE LLC
Mar 14, 2024	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Oct 11, 2022	Deed of Trust, Mortgage · Construction Mortgage LOWER LLC
Aug 4, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Aug 6, 2021	Correction Deed

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2025 · Amount on File
Deed Sale	Nov 19, 2025 · Amount on File
Prior Sale	Aug 4, 2021 · Amount on File
Deed Book / Page	749 / 646
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	215 RIVER RD, ARAPAHOE, NC 28510-9501
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 FIELDTRIAL CIR, GARNER, NC 27529-8696

Mortgage

Document Number	000749/649
Date	Nov 19, 2025
Book Page	749/649

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company
Address	MIAMI, FL 33126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	215 RIVER RD, ARAPAHOE, NC 28510-9501
Transaction Type	Mortgage
Record Updated	Mar 29, 2024
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 RIVER RD, ARAPAHOE, NC 28510-9501

Mortgage

Document Number	000723/451
Date	Mar 14, 2024
Book Page	723/451

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	215 RIVER RD, ARAPAHOE, NC 28510-9501
Transaction Type	Mortgage
Record Updated	Aug 28, 2023
Title Company	TRIO ABSTRACT INC., TRITON ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 RIVER RD, ARAPAHOE, NC 28510-9501

Mortgage

Document Number	000705/621
Date	Oct 11, 2022
Book Page	705/621

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Oct 15, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	215 RIVER RD, ARAPAHOE, NC 28510-9501
Transaction Type	Mortgage
Record Updated	Aug 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 LEAFWOOD DR, GOLDSBORO, NC 27534-8912

Mortgage

Document Number	0000685/22
Date	Aug 4, 2021
Book Page	685/22

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	26592

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	PAMLICO NC
Recording Date	Aug 6, 2021
Property Address	215 RIVER RD, ARAPAHOE, NC 28510-9501
Document Number	000685/233
Book / Page	685 / 233
Map Reference	MB 392 PG 789
Instrument Date	Aug 5, 2021
Record Updated	Aug 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4052 NC 306 HWY S, GRANTSBORO, NC 28529-9637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 LEAFWOOD DR, GOLDSBORO, NC 27534-8912
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 215 River Rd was $1,480.

Source: Pamlico County assessment roll, as of August 25, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,480.00	$213,077 Land $9,476 Building $203,601	$213,077 Land $9,476 Building $203,601
2023	$297.00	$44,080 Land $9,476 Building $34,604	$44,080 Land $9,476 Building $34,604

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 215 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 10, 2021 · 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 61 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	33 (2003–2018)
Claims Outside the SFHA	24 of 33
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 20 claims Hurricane Irene, Aug 2011 · 12 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 215 River Rd is low, with less than 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 98% of the US · lower than 99% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PAMLICO COUNTY WATER serves 19,665 people · EPA ID NC0469025
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	10 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 16 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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