397 Cotton Ln, Tarboro, NC 27886 Property Records

Edgecombe County property record for 397 Cotton Ln, Tarboro, NC 27886

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,245 sqft · built 2024
Lot Size	2.61 acres (113,692 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Nov 2020)
Tax Bill	$5,729 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Nov 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`472792551200`

Property Details

APN / Parcel Number

Primary APN	`472792551200`
Alternative APN	`218033`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,245 sqft Base Area
1st Floor Area	3,245 sqft
Basement Area	3,082 sqft
Unfinished Basement	3,082 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	113,692 sqft (2.61 acres)
Garage Area	792 sqft
Porch	Slab
Deck Area	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	218033
Street Address	397 COTTON LN
City	TARBORO
State	NC
Zip	27886-9734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 15 COTTON VALLEY SEC 2 PH 2
Legal Subdivision	COTTON VALLEY S/D
Legal Lot Number	15
Jurisdiction	EDGECOMBE NC
Township / Civil Division	1, TARBORO
Census Block Group	3
Census Block	3006
Census Tract	21300

Owner

397 Cotton Ln is owned and occupied by an individual who bought it in November 2020.

Source: Edgecombe County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	397 COTTON LN, TARBORO, NC 27886-9734
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2024	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Nov 3, 2025	Intrafamily Transfer, Transfer
Nov 4, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Mar 4, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Prior Sale	Mar 4, 2019 · Amount on File
Deed Book / Page	1721 / 217
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGECOMBE NC
Property Address	397 COTTON LN, TARBORO, NC 27886-9734
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 ANTLER RD, GREENVILLE, NC 27834-6853

Mortgage

Document Number	0018120990
Date	Dec 6, 2024
Book Page	1812/990

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	1950 MARLTON PIKE E STE 300, CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EDGECOMBE NC
Recording Date	Nov 3, 2025
Property Address	397 COTTON LN, TARBORO, NC 27886-9734
Document Number	0018330374
Book / Page	1833 / 374
Map Reference	CAB 8 SL 97
Instrument Date	Oct 31, 2025
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	397 COTTON LN, TARBORO, NC 27886-9734

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 COTTON LN, TARBORO, NC 27886-9734

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EDGECOMBE NC
Recording Date	Nov 4, 2020
Property Address	434 COTTON LN, TARBORO, NC 27886-9730
Document Number	0017210217
Book / Page	001721 / 000217
Instrument Date	Nov 3, 2020
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$80.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 ANTLER RD GREENVILLE NC 278346853, GREENVILLE, NC 27834-6853

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EDGECOMBE NC
Recording Date	Mar 4, 2019
Property Address	434 COTTON LN, TARBORO, NC 27886-9730
Document Number	0016910805
Book / Page	001691 / 000805
Instrument Date	Feb 28, 2019
Transaction Type	Transfer
Record Updated	Mar 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$70.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 COTTON LN TARBORO NC 278869730, TARBORO, NC 27886-9730

Tax Assessment & Valuation

The 2025 property tax bill for 397 Cotton Ln was $5,729.

Source: Edgecombe County assessment roll, as of December 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Market Value
2025	$5,729.00	$626,076 Land $47,625 Building $578,451
2023		$32,880 Land $32,880

Assessed market value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 397 Cotton Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective September 7, 2019 · 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	5 in force
Nearby Flood Claims	3 (1999–2016)
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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

Wildfire risk around 397 Cotton Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.02% 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	EDGECOMBE WATER & SEWER DISTRICT serves 14,485 people · EPA ID NC0433050
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2025 Haloacetic acids resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cotton Ln

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