Pamlico County property record for 232 Cowell Loop Rd, Bayboro, NC 28515
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,305 sqft · built 1974 |
| Lot Size | 3.15 acres (137,214 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $67,500 (Sep 2003) |
| Tax Bill | $801 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | H031-1 |
| Primary APN | H031-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,305 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 137,214 sqft (3.15 acres) |
| Driveway | Driveway |
| Porch | Slab |
| Porch Area | 294 sqft |
| Patio Area | 49 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Water Source | Commercial |
| Account Number | 5514 |
|---|---|
| Street Address | 232 COWELL LOOP RD |
| City | BAYBORO |
| State | NC |
| Zip | 28515-9261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1206 0006815 6571282533000 |
| Jurisdiction | PAMLICO NC |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 950103 |
232 Cowell Loop Rd is owned and occupied by two individuals who bought it in September 2003.
Source: Pamlico County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 232 COWELL LOOP RD, BAYBORO, NC 28515-9261 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2003 · Amount on File |
| Deed Sale | Sep 26, 2003 · Amount on File |
| Prior Sale | Sep 26, 2003 · Amount on File |
| Deed Book / Page | 314 / 783 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 232 Cowell Loop Rd was $801.
Source: Pamlico County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Pamlico County |
| Unified School District | Pamlico County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $801.00 | $115,358 Land $27,138 Building $88,220 | $115,358 Land $27,138 Building $88,220 |
| 2023 | $778.00 | $115,358 Land $27,138 Building $88,220 | $115,358 Land $27,138 Building $88,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 Cowell Loop Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 10, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 38 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 38 in force |
| Nearby Flood Claims | 28 (1996–2018) |
| Claims Outside the SFHA | 1 of 28 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| Claims by Event |
|
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 risk around 232 Cowell Loop Rd is moderate, ranking above 46% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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