2203 Harbourside Dr, New Bern, NC 28560 Property Records

Craven County property record for 2203 Harbourside Dr, New Bern, NC 28560

Property Summary

Property Type	Condominium Development
Details	1 bd · 2 ba · 1,046 sqft · built 1979
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Apr 2026)
Tax Bill	$1,044 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`2-028-1-106`

Property Details

APN / Parcel Number

Primary APN	`2-028-1-106`
Alternative APNs	`140131` `46231`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,046 sqft Living Area
1st Floor Area	1,046 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	140131
Street Address	2203 HARBOURSIDE DR
City	NEW BERN
State	NC
Zip	28560-7284
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium Development
Legal Description	106 A & B SEA GULL AT HARBOURVIEW VILLAS
Legal Subdivision	SEAGULL AT HARBOURVIEW VILLAS
Jurisdiction	CRAVEN NC
Township / Civil Division	2
Census Block Group	2
Census Block	2001
Census Tract	960101

Owner

2203 Harbourside Dr, a condominium development, is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2203 HARBOURSIDE DR, NEW BERN, NC 28560-7284
Occupancy	Owner Occupied
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
Jul 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage SERVICE FCU
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2026 · Amount on File
Deed Sale	Apr 6, 2026 · Amount on File
Prior Sale	Jun 27, 2024 · Amount on File
Deed Document Number	202610154393
Deed Book / Page	3875 / 499
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	2203 HARBOURSIDE DR, NEW BERN, NC 28560-7284
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2203 HARBOURSIDE DR, NEW BERN, NC 28560-7284

Mortgage

Document Number	003843/456
Date	Jul 1, 2025
Book Page	3843/456
Instrument	10142744

Lender

Name	SERVICE FCU
Type	Credit Union
Address	3003 LAFAYETTE RD, PORTSMOUTH, NH 03801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	1 Months
Due	Aug 1, 2025

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	11%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Apr 6, 2026
Property Address	2203 HARBOURSIDE DR, NEW BERN, NC 28560-7284
Document Number	0010154393
Book / Page	3875 / 499
Instrument Date	Feb 25, 2026
Instrument	202610154393
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2203 HARBOURSIDE DR, NEW BERN, NC 28560-7284
Investor	Possibly a Property Investor

Mortgage

Document Number	0010154394,
Date	Apr 6, 2026
Instrument	202610154394

Lender

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Apr 6, 2026
Property Address	2203 HARBOURSIDE DR, NEW BERN, NC 28560-7284
Document Number	003875/499
Book / Page	3875 / 499
Instrument Date	Feb 25, 2026
Instrument	202610154393
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2203 HARBOURSIDE DR, NEW BERN, NC 28560-7284
Investor	Possibly a Property Investor

Mortgage

Document Number	0010154394,
Date	Apr 6, 2026
Instrument	202610154394

Lender

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 2203 Harbourside Dr was $1,044, up 33% from the year before.

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

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
2026	$1,044.00 (+32.99%)	$201,710 (-) Land $50,000 Building $151,710	$201,710 (-) Land $50,000 Building $151,710
2025	$785.00	$201,710 Land $50,000 Building $151,710	$201,710 Land $50,000 Building $151,710
2023	$1,032.00 (+100.39%)	$201,710 (+170.17%) Land $50,000 Building $151,710	$201,710 Land $50,000 Building $151,710
2022	$515.00	$74,660 Land $20,500 Building $54,160
2018			$74,660 Land $20,500 Building $54,160

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 2203 Harbourside Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 706 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	890 units insured incl. 184 condo units
Nearby Flood Claims	1,120 (1981–2025)
Claims Outside the SFHA	41 of 1,120
Most Recent Claim	Oct 2025 · river or lake flooding
Claims by Event	Hurricane Florence, Sep 2018 · 560 claims Hurricane Irene, Sep 2011 · 253 claims Hurricane Fran, Sep 1996 · 91 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 2203 Harbourside Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	FAIRFIELD HARBOUR private · serves 5,514 people · EPA ID NC0425132
Water Source	Groundwater
Last State Inspection	May 2025
Also Mapped Here	CRAVEN COUNTY WATER SYSTEM
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2020
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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