390 Richardson Rd, Dover, NC 28526 Property Records

Craven County property record for 390 Richardson Rd, Dover, NC 28526

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,610 sqft · built 1957
Lot Size	0.654 acres (28,468 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Dec 2025)
Tax Bill	$895 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-048-013`

Property Details

APN / Parcel Number

Primary APN	`3-048-013`
Alternative APN	`63465`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,610 sqft Living Area
1st Floor Area	1,610 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	28,468 sqft (0.654 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	63465
Street Address	390 RICHARDSON RD
City	DOVER
State	NC
Zip	28526-9036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POWELL
Jurisdiction	CRAVEN NC
Township / Civil Division	3
Census Block Group	1
Census Block	1017
Census Tract	960302

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	390 RICHARDSON RD, DOVER, NC 28526-9036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2017	Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC
Feb 3, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Dec 5, 2025	Warranty Deed, Transfer · USDA Mortgage UMORTGAGE LLC
Mar 21, 2025	Warranty Deed, Construction Loan · Construction Mortgage OAKWOOD LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2025 · Amount on Record
Deed Sale	Dec 5, 2025 · Amount on Record
Prior Sale	Mar 21, 2025 · Amount on Record
Deed Document Number	202510149616
Deed Book / Page	3861 / 2020
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	390 RICHARDSON RD, DOVER, NC 28526-9036
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03514/0415
Date	Sep 20, 2017
Book Page	3514/0415

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2021
Change Frequency	Annually
Min Rate At Change	1.75%
Max Rate At Change	3.5%
Index	1-Year CMT
Max Rate	7.5%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	390 RICHARDSON RD, DOVER, NC 28526-9036
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03600/1039
Date	Feb 3, 2020
Book Page	3600/1039
Instrument	10049852

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Dec 5, 2025
Property Address	390 RICHARDSON RD, DOVER, NC 28526-9036
Document Number	03861/2020
Book / Page	3861 / 2020
Instrument Date	Sep 10, 2025
Instrument	10149616
Transaction Type	Transfer
Record Updated	Dec 18, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4801 GLENWOOD AVENUE #200200, 200200, DOVER, NC 28526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 RICHARDSON RD, DOVER, NC 28526-9036

Mortgage

Document Number	0038612022
Date	Dec 5, 2025
Instrument	3861/2022

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Mar 21, 2025
Property Address	390 RICHARDSON RD, DOVER, NC 28526-9036
Document Number	003831/268
Book / Page	3831 / 268
Instrument Date	Mar 20, 2025
Instrument	10138387
Transaction Type	Construction Loan
Record Updated	Oct 7, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	390 RICHARDSON RD, DOVER, NC 28526-9036

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 GLENWOOD AVE STE 200, 200, RALEIGH, NC 27612-3857
Investor	Possibly a Property Investor

Mortgage

Document Number	0003831270
Date	Mar 21, 2025
Instrument	3831/270

Lender

Name	OAKWOOD LENDING LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$895.00	$156,350 (-) Land $15,000 Building $141,350	$156,350 (-) Land $15,000 Building $141,350
2025	$895.00 (+3.11%)	$156,350 (-) Land $15,000 Building $141,350	$156,350 (-) Land $15,000 Building $141,350
2023	$868.00 (+28.97%)	$156,350 (+71.19%) Land $15,000 Building $141,350	$156,350 (+71.19%) Land $15,000 Building $141,350
2022	$673.00	$91,330 Land $15,000 Building $76,330
2018			$91,330 Land $15,000 Building $76,330

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · Hurricane Florence

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	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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