322 Florence St, New Bern, NC 28560 Property Records

Pamlico County property record for 322 Florence St, New Bern, NC 28560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 1998
Lot Size	0.398 acres (17,337 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jun 2026)
Tax Bill	$1,037 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D061-189-1`

Property Details

APN / Parcel Number

Primary APN	`D061-189-1`
Alternative APNs	`6520460911000` `29395`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,540 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,337 sqft (0.398 acres)
Porch	Slab
Porch Area	48 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	29395
Street Address	322 FLORENCE ST
City	NEW BERN
State	NC
Zip	28560-5757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHEELIS LOT SUB LOT 423-A 0006744 6520460911000
Legal Subdivision	WHEELIS LOT SUBDIVISION
Jurisdiction	PAMLICO NC
Township / Civil Division	1
Census Block Group	2
Census Block	2013
Census Tract	950101

Owner

Source: Pamlico County records, as of July 10, 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	322 FLORENCE ST, NEW BERN, NC 28560-5757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Warranty Deed, Transfer · Conventional Mortgage ALPHA MORTGAGE CORPORATION
Jul 23, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	May 5, 2010 · Amount on Record
Deed Book / Page	759 / 112
Prior Transfer Date	Jun 23, 2026
Prior Transfer Doc	0759000112
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAMLICO NC
Recording Date	Jun 25, 2026
Property Address	322 FLORENCE ST, NEW BERN, NC 28560-5757
Document Number	0759000112
Book / Page	759 / 112
Instrument Date	Jun 23, 2026
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,560.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 FLORENCE ST, NEW BERN, NC 28560-5757
Investor	Possibly a Property Investor

Mortgage

Document Number	0759000116,
Date	Jun 25, 2026
Book Page	759/116

Lender

Name	ALPHA MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	322 FLORENCE ST, NEW BERN, NC 28560-5757
Transaction Type	Mortgage
Record Updated	Aug 6, 2021
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 FLORENCE ST, NEW BERN, NC 28560-5757

Mortgage

Document Number	684/487
Date	Jul 23, 2021
Book Page	684/487

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Pamlico County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Pamlico County
Unified School District	Pamlico County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,037.00 (+2.78%)	$142,706 (-) Land $13,532 Building $129,174	$142,706 (-) Land $13,532 Building $129,174
2023	$1,009.00	$142,706 Land $13,532 Building $129,174	$142,706 Land $13,532 Building $129,174

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 10, 2021 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	55 (1985–2018)
Claims Outside the SFHA	4 of 55
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 13 claims Hurricane Irene, Aug 2011 · 18 claims Hurricane Isabel, Sep 2003 · 10 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	FAIRFIELD HARBOUR private · serves 5,514 people · EPA ID NC0425132
Water Source	Groundwater
Last State Inspection	May 2025
Also Mapped Here	PAMLICO COUNTY WATER
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2020
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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