Craven County property record for 316 Commons Ct, New Bern, NC 28560
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,140 sqft · built 1994 |
| Lot Size | 0.411 acres (17,898 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Feb 2019) |
| Tax Bill | $809 (2026) |
| Deeds & Mortgages | Feb 2024 Line of Credit Jan 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7-044-2-035 |
| Primary APN | 7-044-2-035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 17,898 sqft (0.411 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 95798 |
|---|---|
| Street Address | 316 COMMONS CT |
| City | NEW BERN |
| State | NC |
| Zip | 28560-8026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 35 & PT 34 RIVERSHORE COMMON |
| Legal Subdivision | RIVERSHORE COMMON |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 961002 |
316 Commons Ct is owned and occupied by an individual who bought it in February 2019.
Source: Craven County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 316 COMMONS CT, NEW BERN, NC 28560-8026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2024 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jan 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Dec 19, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 1, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2019 · Amount on File |
| Deed Sale | Feb 1, 2019 · Amount on File |
| Prior Sale | Jun 29, 2006 · Amount on File |
| Deed Document Number | 201910033221 |
| Deed Book / Page | 3560 / 265 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 316 COMMONS CT, NEW BERN, NC 28560-8026 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2024 |
| Title Company | LENDER RECORDING SERVICES, LENDER RECORDING SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 03788/1549 |
|---|---|
| Date | Feb 8, 2024 |
| Book Page | 3788/1549 |
| Instrument | 10122469 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 25279, RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 316 COMMONS CT, NEW BERN, NC 28560-8026 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3488/1132 |
|---|---|
| Date | Jan 5, 2017 |
| Book Page | 3488/1132 |
| Instrument | 10001853 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 316 COMMONS CT, NEW BERN, NC 28560-8026 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2020 |
| Name | Verified Name |
|---|
| Document Number | 3595/1967 |
|---|---|
| Date | Dec 19, 2019 |
| Book Page | 3595/1967 |
| Instrument | 10048035 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Feb 1, 2019 |
| Property Address | 316 COMMONS CT, NEW BERN, NC 28560-8026 |
| Document Number | 3560/265 |
| Book / Page | 3560 / 265 |
| Instrument Date | Jan 15, 2019 |
| Instrument | 10033221 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 316 COMMONS CT, NEW BERN, NC 28560-8026 |
| Document Number | 003560/269 |
|---|---|
| Date | Feb 1, 2019 |
| Book Page | 3560/269 |
| Instrument | 10033222 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
The 2026 property tax bill for 316 Commons Ct was $809.
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 | $809.00 | $158,610 (-) Land $40,000 Building $118,610 | $158,610 (-) Land $40,000 Building $118,610 |
| 2025 | $809.00 | $158,610 Land $40,000 Building $118,610 | $158,610 Land $40,000 Building $118,610 |
| 2023 | $797.00 (+20.03%) | $158,610 (+53.45%) Land $40,000 Building $118,610 | $158,610 Land $40,000 Building $118,610 |
| 2022 | $664.00 | $103,360 Land $35,000 Building $68,360 | |
| 2018 | $103,360 Land $35,000 Building $68,360 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 316 Commons Ct in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1996.
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 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.
Wildfire risk around 316 Commons Ct is low, with a 0.03% annual chance of wildfire.
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 | 0.03% 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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