Craven County property record for 305 Shepard St, Havelock, NC 28532
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,587 sqft · built 1955 |
| Lot Size | 0.438 acres (19,078 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Feb 2023) |
| Tax Bill | $1,209 (2026) |
| Deeds & Mortgages | Oct 2023 Mortgage Feb 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6-059-024 |
| Primary APN | 6-059-024 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,587 sqft Living Area |
| 1st Floor Area | 1,587 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,078 sqft (0.438 acres) |
| Storage Building | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 128821 |
|---|---|
| Street Address | 305 SHEPARD ST |
| City | HAVELOCK |
| State | NC |
| Zip | 28532-2418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 93 BRYAN SUB DIV |
| Legal Subdivision | BRYAN SUB |
| Legal Lot Number | 93 |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 961301 |
305 Shepard St is owned by an individual who bought it in February 2023.
Source: Craven County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 STAFFORDSHIRE DR, NEW BERN, NC 28562-8441 |
| 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.
| Date | Document |
|---|---|
| Oct 18, 2023 | Deed of Trust, Mortgage · Conventional Mortgage LUMINATE HOME LOANS INC |
| Feb 10, 2023 | Warranty Deed, Transfer |
| Feb 8, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 10, 2023 · Amount on File |
| Deed Sale | Feb 10, 2023 · Amount on File |
| Prior Sale | Apr 19, 2002 |
| Deed Document Number | 202310108900 |
| Deed Book / Page | 3754 / 1670 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 305 SHEPARD ST, HAVELOCK, NC 28532-2418 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 305 SHEPARD ST, HAVELOCK, NC 28532-2418 |
| Document Number | 003779/791 |
|---|---|
| Date | Oct 18, 2023 |
| Book Page | 3779/791 |
| Instrument | 10118661 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Feb 10, 2023 |
| Property Address | 305 SHEPARD ST, HAVELOCK, NC 28532-2418 |
| Document Number | 03754/1670 |
| Book / Page | 3754 / 1670 |
| Map Reference | MB 4 PG 3 |
| Instrument Date | Feb 10, 2023 |
| Instrument | 10108900 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 276 S RAILROAD AVE, HARLEYVILLE, SC 29448-4214 |
| Name | Verified Name |
|---|---|
| Address | 120 STAFFORDSHIRE DR, HAVELOCK, NC 28532 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Feb 8, 2023 |
| Property Address | 305 SHEPARD ST, HAVELOCK, NC 28532-2418 |
| Document Number | 03754/1337 |
| Book / Page | 3754 / 1337 |
| Map Reference | MB 4 PG 3 |
| Instrument Date | Feb 7, 2023 |
| Instrument | 10108814 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 SHEPARD ST, HAVELOCK, NC 28532-2418 |
The 2026 property tax bill for 305 Shepard St was $1,209, up 2.4% from the year before.
Source: Craven County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Craven County |
| Municipality | Havelock City |
| Unified School District | Craven County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,209.00 (+2.37%) | $95,230 (-) Land $35,000 Building $60,230 | $95,230 (-) Land $35,000 Building $60,230 |
| 2025 | $1,181.00 | $95,230 Land $35,000 Building $60,230 | $95,230 Land $35,000 Building $60,230 |
| 2023 | $1,131.00 (+11.87%) | $95,230 (+15.11%) Land $35,000 Building $60,230 | $95,230 Land $35,000 Building $60,230 |
| 2022 | $1,011.00 | $82,730 Land $30,000 Building $52,730 | |
| 2018 | $82,730 Land $30,000 Building $52,730 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 Shepard St in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 1995.
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 File median of 38 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 38 in force |
| Nearby Flood Claims | 29 (1995–2019) |
| Claims Outside the SFHA | 24 of 29 |
| Most Recent Claim | Sep 2019 · Hurricane Dorian |
| 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 305 Shepard St is moderate, ranking above 40% 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 40% of the US · above 58% 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 | HAVELOCK WATER SYSTEM serves 14,925 people · EPA ID NC0425015 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 139 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 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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