392 Oak Bluff Rd, Kinston, NC 28504 Property Records

Lenoir County property record for 392 Oak Bluff Rd, Kinston, NC 28504

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,293 sqft · built 2004
Lot Size	3.44 acres (149,846 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Apr 2016)
Tax Bill	$4,616 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Apr 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`359300285386`

Property Details

APN / Parcel Number

Primary APN	`359300285386`
Alternative APN	`29200`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,293 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Material	Other
Lot Area	149,846 sqft (3.44 acres)
Lot Dimensions	523 ft deep x 279 ft wide
Garage Area	628 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	530 sqft
Utility Building	44 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	392 OAK BLUFF RD
City	KINSTON
State	NC
Zip	28504-9500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERWATCH LOT 8 SECT/G IS OVER GARAGE L328K/15
Legal Subdivision	RIVER WATCH PLANTATION
Legal Lot Number	8
Jurisdiction	LENOIR NC
Township / Civil Division	NEUSE
Census Block Group	1
Census Block	1029
Census Tract	11302

Owner

Source: Lenoir County records, as of October 15, 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	2 Individual Names on File
Mailing Address	392 OAK BLUFF RD, KINSTON, NC 28504-9500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2016 · Amount on File
Deed Sale	Apr 18, 2016 · Amount on File
Prior Sale	May 15, 2012 · Amount on File
Deed Book / Page	1772 / 342
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENOIR NC
Property Address	392 OAK BLUFF RD, KINSTON, NC 28504-9500
Transaction Type	Mortgage
Record Updated	Nov 25, 2025
Title Company	UNKNOWN, SILK TITLE AND ESCROW FT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020710686
Date	Nov 7, 2025
Book Page	2071/686

Lender

Name	SOFI BANK NA
Type	Bank
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2035

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENOIR NC
Property Address	392 OAK BLUFF RD, KINSTON, NC 28504-9500
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019140546
Date	Apr 22, 2021
Book Page	1914/546

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Lenoir County assessment roll, as of October 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,616.00 (-1.91%)	$617,154 (-) Land $35,935 Building $581,219	$617,154 (-) Land $35,935 Building $581,219
2025	$4,706.00 (+57.13%)	$617,154 (+100.71%) Land $35,935 Building $581,219	$617,154 (+100.71%) Land $35,935 Building $581,219
2023	$2,995.00	$307,490 Land $32,580 Building $274,910	$307,490 Land $32,580 Building $274,910

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 June 18, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	10 (2016–2018)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 5 claims Hurricane Matthew, Oct 2016 · 5 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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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	DEEP RUN WATER CORPORATION private · serves 14,196 people · EPA ID NC0454030
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
InfinityLink Communications Fiber	10,000 / 10,000
Eastern Carolina Broadband Fixed Wireless	125 / 25

May also be available: Optimum.

Cell Coverage

5G (outdoors only) and 4G LTE

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