2402 Harbor Island Rd, New Bern, NC 28562 Property Records

Craven County property record for 2402 Harbor Island Rd, New Bern, NC 28562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,816 sqft · built 1994
Lot Size	0.678 acres (29,513 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (May 2021)
Tax Bill	$6,492 (2026)
Deeds & Mortgages	Mar 2024 Transfer Oct 2019 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`8-204-4-057`

Property Details

APN / Parcel Number

Primary APN	`8-204-4-057`
Alternative APNs	`134872` `138711`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,816 sqft Living Area
1st Floor Area	1,816 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	29,513 sqft (0.678 acres)
Garage Type	Attached
Pool Area	512 sqft
Boat Access	Boat Access
Boat House	430 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	138711
Street Address	2402 HARBOR ISLAND RD
City	NEW BERN
State	NC
Zip	28562-7376
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR10A
Legal Description	57 & 57-A OLDE TOWN SCT 2 HARBOR ISLAND
Legal Subdivision	OLDE TOWNE
Legal Tract	2
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	1
Census Block	1036
Census Tract	960402

Owner

2402 Harbor Island Rd is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2402 HARBOR ISLAND RD, NEW BERN, NC 28562-7376
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 1, 2024	Intrafamily Transfer, Transfer
Oct 7, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CITIZEN B&T CO
May 21, 2021	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2021 · Amount on File
Deed Sale	May 21, 2021 · Amount on File
Prior Sale	Apr 15, 1994 · Amount on File
Deed Document Number	202110076108
Deed Book / Page	3671 / 883
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CRAVEN NC
Recording Date	Mar 1, 2024
Property Address	2402 HARBOR ISLAND RD, NEW BERN, NC 28562-7376
Document Number	03790/1782
Book / Page	3790 / 1782
Instrument Date	Mar 1, 2024
Instrument	10123304
Transaction Type	Transfer
Record Updated	Apr 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2402 HARBOR ISLAND RD, NEW BERN, NC 28562-7376

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	2402 HARBOR ISLAND RD, NEW BERN, NC 28562-7376
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003587/288
Date	Oct 7, 2019
Book Page	3587/288
Instrument	10044475

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	May 21, 2021
Property Address	2402 HARBOR ISLAND RD, NEW BERN, NC 28562-7376
Document Number	003671/883
Book / Page	3671 / 883
Map Reference	CAB D SL 508
Instrument Date	May 18, 2021
Instrument	10076108
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2402 HARBOR ISLAND RD, NEW BERN, NC 28562-7376

Mortgage

Document Number	0003671886
Date	May 21, 2021
Instrument	3671/886

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 2402 Harbor Island Rd was $6,492, up 3.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,492.00 (+3.56%)	$742,450 (-) Land $300,000 Building $442,450	$742,450 (-) Land $300,000 Building $442,450
2025	$6,269.00	$742,450 Land $300,000 Building $442,450	$742,450 Land $300,000 Building $442,450
2023	$5,788.00 (-3.5%)	$694,540 (+21.88%) Land $300,000 Building $394,540	$694,540 Land $300,000 Building $394,540
2022	$5,998.00	$569,840 Land $275,000 Building $294,840
2018			$569,840 Land $275,000 Building $294,840

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

Flood

FEMA maps place 2402 Harbor Island Rd 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 180 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	180 in force
Nearby Flood Claims	232 (1996–2018)
Claims Outside the SFHA	17 of 232
Most Recent Claim	Oct 2018 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 154 claims Hurricane Irene, Aug 2011 · 40 claims Hurricane Fran, Sep 1996 · 20 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 2402 Harbor Island Rd 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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	CITY OF NEW BERN serves 37,884 people · EPA ID NC0425010
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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