2314 Westdowns Ter, Kinston, NC 28504 Property Records

Lenoir County property record for 2314 Westdowns Ter, Kinston, NC 28504

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,989 sqft · built 1978
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$139,000 (Aug 2016)
Tax Bill	$2,058 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`450601173943`

Property Details

APN / Parcel Number

Primary APN	`450601173943`
Alternative APN	`3582`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,989 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1992
Exterior Material	Brick
Roof Material	Other
Lot Area	21,344 sqft (0.49 acres)
Lot Dimensions	67.3 ft deep x 315 ft wide
Garage Type	Mixed
Garage Area	794 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	55 sqft
Utility Building	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	2314 WESTDOWNS TER
City	KINSTON
State	NC
Zip	28504-7545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 WESTDOWNS TERRACE 2314 WESTDOWNS TR
Legal Subdivision	WESTDOWNS
Jurisdiction	LENOIR NC
Township / Civil Division	FALLING CREEK
Census Block Group	2
Census Block	2031
Census Tract	11002

Owner

2314 Westdowns Ter is owned and occupied by two individuals who bought it in August 2016.

Source: Lenoir County records, as of October 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2314 WESTDOWNS TER, KINSTON, NC 28504-7545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC
Oct 14, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2016 · Amount on File
Deed Sale	Aug 2, 2016 · Amount on File
Deed Book / Page	1780 / 841
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENOIR NC
Recording Date	Sep 23, 2026
Property Address	2314 WESTDOWNS TER, KINSTON, NC 28504-7545
Document Number	2103000812
Book / Page	2103 / 812
Instrument Date	Sep 17, 2026
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2314 WESTDOWNS TER, KINSTON, NC 28504-7545

Mortgage

Document Number	2103000812,
Date	Sep 23, 2026
Book Page	2103/812

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENOIR NC
Property Address	2314 WESTDOWNS TER, KINSTON, NC 28504-7545
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019710079
Date	Oct 14, 2022
Book Page	1971/79

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 2314 Westdowns Ter was $2,058, up 13% from the year before.

Source: Lenoir County assessment roll, as of October 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,058.00 (+12.95%)	$284,131 (-) Land $14,760 Building $269,371	$284,131 (-) Land $14,760 Building $269,371
2025	$1,822.00	$284,131 Land $14,760 Building $269,371	$284,131 Land $14,760 Building $269,371
2023	$909.00	$135,766 Land $15,000 Building $120,766	$135,766 Land $15,000 Building $120,766

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

Flood

FEMA maps place 2314 Westdowns Ter in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective June 18, 2020 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1999–2018)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 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

Wildfire risk around 2314 Westdowns Ter 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 80% of the US · lower than 76% 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	NORTH LENOIR WATER CORP private · serves 15,494 people · EPA ID NC0454025
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
InfinityLink Communications Fiber	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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