403 E Saint James St, Tarboro, NC 27886 Property Records

Edgecombe County property record for 403 E Saint James St, Tarboro, NC 27886

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,068 sqft · built 1925
Lot Size	0.164 acres (7,142 sqft)
Owner	2 Individual Names on File
Last Sale	$139,500 (Dec 2024)
Tax Bill	$537 (2025)
Deeds & Mortgages	Dec 2022 Construction Loan Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473855124600`

Property Details

APN / Parcel Number

Primary APN	`473855124600`
Alternative APNs	`209524` `229322`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,068 sqft Base Area
1st Floor Area	1,068 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,142 sqft (0.164 acres)
Porch	Slab
Porch Area	151 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	229322
Street Address	403 E SAINT JAMES ST
City	TARBORO
State	NC
Zip	27886-5123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	403 E ST JAMES ST
Legal Subdivision	TOWN/TARBORO
Jurisdiction	EDGECOMBE NC
Township / Civil Division	1, TARBORO
Census Block Group	2
Census Block	2008
Census Tract	21000

Owner

403 E Saint James St is owned by two individuals who bought it in December 2024.

Source: Edgecombe County records, as of May 27, 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	403 E SAINT JAMES ST, 405, TARBORO, NC 27886-5123
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC
Jul 14, 2021	Warranty Deed, Transfer
Nov 2, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CAROLINA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2024 · Amount on File
Deed Sale	Dec 6, 2024 · Amount on File
Prior Sale	Jul 14, 2021 · Amount on File
Deed Book / Page	1812 / 1008
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGECOMBE NC
Property Address	403 E SAINT JAMES ST, TARBORO, NC 27886-5123
Transaction Type	Mortgage
Record Updated	Dec 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1235, CREEDMOOR, NC 27522-1235

Mortgage

Document Number	0017710320
Date	Dec 16, 2022
Book Page	1771/320

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Construction Mortgage
Amount	Amount on Record

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EDGECOMBE NC
Recording Date	Jul 14, 2021
Property Address	403 E SAINT JAMES ST, TARBORO, NC 27886-5123
Document Number	0017351198
Book / Page	1735 / 1198
Map Reference	MB 660 PG 56
Instrument Date	Jul 9, 2021
Transaction Type	Transfer
Record Updated	Aug 2, 2021

Transaction

Amount	Amount on Record
Tax	$25.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1438, TARBORO, NC 27886-1438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1235, CREEDMOOR, NC 27522-1235

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGECOMBE NC
Property Address	403 E SAINT JAMES ST, TARBORO, NC 27886-5123
Document Number	0016700304
Book / Page	001670 / 000304
Instrument Date	Nov 2, 2017
Transaction Type	Mortgage
Record Updated	Nov 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1438 TARBORO NC 278861438, TARBORO, NC 27886-1438

Mortgage

Document Number	0016700304
Date	Nov 2, 2017
Book Page	001670/000304

Lender

Name	FIRST CAROLINA BK
Type	Bank
Address	ROCKY MOUNT, NC 27804

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 403 E Saint James St was $537.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Market Value
2025	$537.00	$69,173 Land $6,500 Building $62,673
2023		$13,737 (-) Land $4,500 Building $9,237
2022		$13,737 Land $4,500 Building $9,237
2019	$364.00

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

Flood

FEMA maps place 403 E Saint James St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 53 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	53 in force
Nearby Flood Claims	45 (1979–2016)
Claims Outside the SFHA	15 of 45
Most Recent Claim	Nov 2016 · river or lake flooding
Claims by Event	Hurricane Matthew, Oct 2016 · 26 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 15 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 403 E Saint James St is low, with a 0.01% annual chance of 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	0.01% 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	TOWN OF TARBORO serves 10,844 people · EPA ID NC0433010
Water Source	Surface water
Last State Inspection	Sep 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	3 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
InfinityLink Communications Fiber	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

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