2428 Tram Rd, New Bern, NC 28562 Property Records

Craven County property record for 2428 Tram Rd, New Bern, NC 28562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 969 sqft · built 1982
Lot Size	0.787 acres (34,301 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Jul 2025)
Tax Bill	$3,381 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Jul 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`8-204-1-005`

Property Details

APN / Parcel Number

Primary APN	`8-204-1-005`
Alternative APNs	`127650` `139719`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	969 sqft Living Area
1st Floor Area	969 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,301 sqft (0.787 acres)
Garage Type	Attached
Storage Building	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	139719
Street Address	2428 TRAM RD
City	NEW BERN
State	NC
Zip	28562-7370
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 OLDE TOWNE SEC 1
Legal Subdivision	OLDE TOWNE
Legal Lot Number	5
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	1
Census Block	1008
Census Tract	960402

Owner

2428 Tram Rd is owned and occupied by an individual who bought it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	2428 TRAM RD, NEW BERN, NC 28562-7370
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
Feb 15, 2023	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 21, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
May 17, 2024	Warranty Deed, Transfer · FHA Mortgage FIRST CITIZENS BANK & TRUST CO
Nov 6, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2025 · Amount on File
Deed Sale	Jul 21, 2025 · Amount on File
Prior Sale	May 17, 2024 · Amount on File
Deed Document Number	202510143414
Deed Book / Page	3844 / 2079
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	2428 TRAM RD, NEW BERN, NC 28562-7370
Transaction Type	Mortgage
Record Updated	Dec 5, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 TRAM RD, NEW BERN, NC 28562-7370

Mortgage

Document Number	0003755/85
Date	Feb 15, 2023
Book Page	3755/85
Instrument	10109037

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	441 Months
Due	Nov 1, 2059

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Jul 21, 2025
Property Address	2428 TRAM RD, NEW BERN, NC 28562-7370
Document Number	03844/2079
Book / Page	3844 / 2079
Map Reference	CAB A SL 169-A
Instrument Date	Jul 17, 2025
Instrument	10143414
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2728 TRAM RD, NEW BERN, NC 28562

Mortgage

Document Number	0038442082
Date	Jul 21, 2025
Instrument	3844/2082

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	May 17, 2024
Property Address	2428 TRAM RD, NEW BERN, NC 28562-7370
Document Number	003799/162
Book / Page	3799 / 162
Map Reference	CAB A SL 169
Instrument Date	May 9, 2024
Instrument	10126385
Transaction Type	Transfer
Record Updated	Dec 5, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 TRAM RD, NEW BERN, NC 28562-7370

Mortgage

Document Number	0003799166
Date	May 17, 2024
Instrument	3799/166

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Nov 6, 2019
Property Address	2428 TRAM RD, NEW BERN, NC 28562-7370
Document Number	03590/1831
Book / Page	3590 / 1831
Instrument Date	Oct 31, 2019
Instrument	10045971
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	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 TRAM RD, NEW BERN, NC 28562-7370

Mortgage

Document Number	03590/1835
Date	Nov 6, 2019
Book Page	3590/1835
Instrument	10045972

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 2428 Tram Rd was $3,381, up 3.5% 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	$3,381.00 (+3.52%)	$382,720 (-) Land $83,000 Building $299,720	$382,720 (-) Land $83,000 Building $299,720
2025	$3,266.00	$382,720 Land $83,000 Building $299,720	$382,720 Land $83,000 Building $299,720
2023	$3,216.00 (+28.69%)	$382,720 (+63.53%) Land $83,000 Building $299,720	$382,720 Land $83,000 Building $299,720
2022	$2,499.00	$234,040 Land $60,000 Building $174,040
2018			$234,040 Land $60,000 Building $174,040

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

Flood

FEMA maps place 2428 Tram Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 2428 Tram 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 162 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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