Craven County property record for 305 Commons Ct, New Bern, NC 28560
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,136 sqft · built 1999 |
| Lot Size | 0.297 acres (12,930 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $123,000 (Aug 2009) |
| Tax Bill | $839 (2026) |
| Deeds & Mortgages | Jan 2023 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7-044-2-042 |
| Primary APN | 7-044-2-042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,136 sqft Living Area |
| 1st Floor Area | 1,136 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,930 sqft (0.297 acres) |
| Garage Type | Attached |
| Storage Building | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 79886 |
|---|---|
| Street Address | 305 COMMONS CT |
| City | NEW BERN |
| State | NC |
| Zip | 28560-8026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 42 RIVERSHORE COMMON |
| Legal Subdivision | RIVERSHORE COMMON |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 961002 |
Source: Craven County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 109 RIDGE COVE LN, SWANSBORO, NC 28584-0080 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 10, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 7, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2009 · Amount on Record |
| Deed Sale | Aug 19, 2009 · Amount on Record |
| Deed Book / Page | 2851 / 686 |
| Last Transfer Date | Jul 30, 2021 |
| Transfer Doc | 3688/1622 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 305 COMMONS CT, NEW BERN, NC 28560-8026 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003752/270 |
|---|---|
| Date | Jan 10, 2023 |
| Book Page | 3752/270 |
| Instrument | 10107729 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 31, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Sep 7, 2021 |
| Property Address | 305 COMMONS CT, NEW BERN, NC 28560-8026 |
| Document Number | 3688/1622 |
| Book / Page | 3688 / 1622 |
| Map Reference | CAB F SL 124-H |
| Instrument Date | Jul 30, 2021 |
| Instrument | 10082698 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | AMROCK INC, AMROCK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 118 SWEETBAY DR, 118, NEW BERN, NC 28560-7026 |
| Name | Verified Name |
|---|---|
| Address | 305 COMMONS CT, NEW BERN, NC 28560-8026 |
| Document Number | 36881626 |
|---|---|
| Date | Sep 7, 2021 |
| Instrument | 3688/1626 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
Source: Craven County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Craven County |
| Unified School District | Craven County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $839.00 | $165,190 (-) Land $40,000 Building $125,190 | $165,190 (-) Land $40,000 Building $125,190 |
| 2025 | $839.00 (+1.45%) | $165,190 (-) Land $40,000 Building $125,190 | $165,190 (-) Land $40,000 Building $125,190 |
| 2023 | $827.00 (+16.48%) | $165,190 (+48.45%) Land $40,000 Building $125,190 | $165,190 (+48.45%) Land $40,000 Building $125,190 |
| 2022 | $710.00 | $111,280 Land $35,000 Building $76,280 | |
| 2018 | $111,280 Land $35,000 Building $76,280 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 24 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 12 (1996–2018) |
| Claims Outside the SFHA | 5 of 12 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 43% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CRAVEN COUNTY WATER SYSTEM serves 37,848 people · EPA ID NC0425055 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 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 121 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Optimum Cable | 940 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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