2406 Harbor Island Rd, New Bern, NC 28562 Property Records

Craven County property record for 2406 Harbor Island Rd, New Bern, NC 28562

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,301 sqft · built 1985
Lot Size	0.56 acres (24,373 sqft)
Owner	2 Individual Names on File
Last Sale	$648,000 (Aug 2017)
Tax Bill	$6,209 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2020 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`8-204-4-055`

Property Details

APN / Parcel Number

Primary APN	`8-204-4-055`
Alternative APN	`103280`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,301 sqft Living Area
1st Floor Area	1,301 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,373 sqft (0.56 acres)
Garage Type	Attached

Exterior Amenities

Patio Area	144 sqft
Bath House	269 sqft
Boat Access	Boat Access
Boat House	372 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	103280
Street Address	2406 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	55 OLDE TOWN SCT 2 HARBOR ISLAND
Legal Subdivision	OLDE TOWNE
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	1
Census Block	1036
Census Tract	960402

Owner

2406 Harbor Island Rd is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2406 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
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Jul 6, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Aug 30, 2017	Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2017 · Amount on File
Deed Sale	Aug 30, 2017 · Amount on File
Prior Sale	Sep 29, 2000 · Amount on File
Deed Book / Page	3512 / 725
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	2406 HARBOR ISLAND RD, NEW BERN, NC 28562-7376
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3636/432
Date	Oct 21, 2020
Book Page	3636/432
Instrument	10063209

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	2406 HARBOR ISLAND RD, NEW BERN, NC 28562-7376
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2406 HARBOR ISLAND RD, NEW BERN, NC 28562-7376

Mortgage

Document Number	3619/2103
Date	Jul 6, 2020
Book Page	3619/2103
Instrument	10057121

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27603

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CRAVEN NC
Recording Date	Aug 30, 2017
Property Address	2406 HARBOR ISLAND RD, NEW BERN, NC 28562-7376
Document Number	3512/0725
Book / Page	3512 / 0725
Instrument Date	Aug 15, 2017
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,296.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3005 OLDE TOWNE PL, 3005, NEW BERN, NC 28562-7322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2406 HARBOR ISLAND RD, NEW BERN, NC 28562-7376

Mortgage

Document Number	3512/0728
Date	Aug 30, 2017
Book Page	3512/0728
Instrument	10012175

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 2406 Harbor Island Rd was $6,209, up 2.1% 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	$6,209.00 (+2.14%)	$709,730 (-1.37%) Land $300,000 Building $409,730	$709,730 (-1.37%) Land $300,000 Building $409,730
2025	$6,079.00	$719,580 Land $300,000 Building $419,580	$719,580 Land $300,000 Building $419,580
2023	$5,995.00 (-4.11%)	$719,580 (+21.11%) Land $300,000 Building $419,580	$719,580 Land $300,000 Building $419,580
2022	$6,252.00	$594,150 Land $275,000 Building $319,150
2018			$594,150 Land $275,000 Building $319,150

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

Flood

FEMA maps place 2406 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 2406 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

Nearby Properties on Harbor Island Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures