3545 River Rd, Vanceboro, NC 28586 Property Records

Craven County property record for 3545 River Rd, Vanceboro, NC 28586

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,066 sqft · built 1978
Lot Size	0.468 acres (20,385 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Aug 2025)
Tax Bill	$744 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2023 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`1-038-2-SCT1-01`

Property Details

APN / Parcel Number

Primary APN	`1-038-2-SCT1-01`
Alternative APN	`132771`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,066 sqft Living Area
1st Floor Area	1,066 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,385 sqft (0.468 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	132771
Street Address	3545 RIVER RD
City	VANCEBORO
State	NC
Zip	28586-8519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 CHIPS SUBD SCT 1
Legal Subdivision	CHIPS SUB
Legal Lot Number	1
Jurisdiction	CRAVEN NC
Township / Civil Division	1
Census Block Group	1
Census Block	1025
Census Tract	960201

Owner

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	200 CYPRESS CREEK RD, SEVERNA PARK, MD 21146-4008
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Sep 7, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 10, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 24, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2025 · Amount on Record
Deed Sale	Aug 20, 2025 · Amount on Record
Prior Sale	Mar 10, 2021 · Amount on Record
Deed Document Number	202510144781
Deed Book / Page	3848 / 1338
Prior Transfer Date	Sep 1, 2023
Prior Transfer Doc	003775/829
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	3545 RIVER RD, VANCEBORO, NC 28586-8519
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3545 RIVER RD, VANCEBORO, NC 28586-8519

Mortgage

Document Number	03782/2093
Date	Nov 30, 2023
Book Page	3782/2093
Instrument	10120103

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	NEW BERN, NC 28562

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 15, 2033

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CRAVEN NC
Recording Date	Sep 7, 2023
Property Address	3545 RIVER RD, VANCEBORO, NC 28586-8519
Document Number	003775/829
Book / Page	3775 / 829
Map Reference	CAB A SL 178-B
Instrument Date	Sep 1, 2023
Instrument	10117031
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3601 BROWNING CV, JONESBORO, AR 72404-0593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3545 RIVER RD, VANCEBORO, NC 28586-8519

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Mar 10, 2021
Property Address	3545 RIVER RD, VANCEBORO, NC 28586-8519
Document Number	3658/1280
Book / Page	3658 / 1280
Map Reference	CAB A SL 178-B
Instrument Date	Jan 29, 2021
Instrument	10071317
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 S FRONT ST, 328, NEW BERN, NC 28560-2134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3545 RIVER RD, VANCEBORO, NC 28586-8519

Mortgage

Document Number	36581283
Date	Mar 10, 2021
Instrument	3658/1283

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Sep 24, 2020
Property Address	3545 RIVER RD, VANCEBORO, NC 28586-8519
Document Number	3632/349
Book / Page	3632 / 349
Map Reference	CAB A SL 178-B
Instrument Date	Sep 12, 2020
Instrument	10061757
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 FOX CHASE DR, 320, LEXINGTON, NC 27295-5847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 S FRONT ST, NEW BERN, NC 28560-2134

Tax Assessment & Valuation

Source: Craven County assessment roll, as of October 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$144,750 (-) Land $28,000 Building $116,750	$144,750 (-) Land $28,000 Building $116,750
2025	$744.00	$144,750 (-) Land $28,000 Building $116,750	$144,750 (-) Land $28,000 Building $116,750
2024	$744.00 (+1.64%)
2023	$732.00 (+0.83%)	$144,750 (+27.1%) Land $28,000 Building $116,750	$144,750 (+27.1%) Land $28,000 Building $116,750
2022	$726.00	$113,890 Land $25,000 Building $88,890
2018			$113,890 Land $25,000 Building $88,890

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 January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 63 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	16 (2016–2021)
Claims Outside the SFHA	3 of 16
Most Recent Claim	Mar 2021 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 4 claims Hurricane Matthew, Oct 2016 · 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 40% of the US · above 58% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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