Craven County property record for 314 Two Lakes Trl, New Bern, NC 28560
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,180 sqft · built 2020 |
| Lot Size | 1.92 acres (83,766 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,808 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Aug 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-026-3-016 |
| Primary APN | 2-026-3-016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,180 sqft Living Area |
| Interior Walls | Finished/Painted |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 83,766 sqft (1.92 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 130497 |
|---|---|
| Street Address | 314 TWO LAKES TRL |
| City | NEW BERN |
| State | NC |
| Zip | 28560-6328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 LAKE HAZEL ESTATES PH 3 BLK D FOR ROBERT J HOLTON SR |
| Legal Subdivision | LAKE HAZEL ESTATES |
| Legal Phase | 3 |
| Legal Block | D |
| Legal Lot Number | 16 |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 960101 |
314 Two Lakes Trl is owned and occupied by two individuals who acquired it in August 2020.
Source: Craven County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 314 TWO LAKES TRL, NEW BERN, NC 28560-6328 |
| 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.
| Date | Document |
|---|---|
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Aug 25, 2020 | Gift Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 25, 2020 |
| Transfer Doc | 03627/1246 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 314 TWO LAKES TRL, NEW BERN, NC 28560-6328 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003638/201 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 3638/201 |
| Instrument | 10063892 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
| Type Change Date | Dec 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.99% |
| Index | 1-Year LIBOR |
| Max Rate | 7.99% |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Aug 25, 2020 |
| Property Address | 314 TWO LAKES TRL, NEW BERN, NC 28560-6328 |
| Document Number | 03627/1246 |
| Book / Page | 3627 / 1246 |
| Map Reference | CAB I SL 172F |
| Instrument Date | Aug 25, 2020 |
| Instrument | 10060011 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 250 TWO LAKES TRL, 250, NEW BERN, NC 28560-6326 |
| Name | Verified Name |
|---|---|
| Address | 314 TWO LAKES TRL, NEW BERN, NC 28560-6328 |
The 2026 property tax bill for 314 Two Lakes Trl was $1,808.
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 | $1,808.00 | $360,120 (-) Land $77,410 Building $282,710 | $360,120 (-) Land $77,410 Building $282,710 |
| 2025 | $1,808.00 | $360,120 Land $77,410 Building $282,710 | $360,120 Land $77,410 Building $282,710 |
| 2023 | $1,796.00 (+17.08%) | $360,120 (+48.94%) Land $77,410 Building $282,710 | $360,120 Land $77,410 Building $282,710 |
| 2022 | $1,534.00 | $241,790 Land $50,860 Building $190,930 | |
| 2018 | $241,790 Land $50,860 Building $190,930 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 314 Two Lakes Trl in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 393 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 417 units insured incl. 24 condo units |
| Nearby Flood Claims | 446 (1982–2018) |
| Claims Outside the SFHA | 9 of 446 |
| 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.
Wildfire risk around 314 Two Lakes Trl is moderate, ranking above 46% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 | 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 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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