403 Harbor Dr, New Bern, NC 28560 Property Records

Craven County property record for 403 Harbor Dr, New Bern, NC 28560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,040 sqft · built 2000
Lot Size	0.566 acres (24,673 sqft)
Owner	2 Individual Names on Record
Last Sale	$805,500 (Aug 2025)
Tax Bill	$4,546 (2026)
Deeds & Mortgages	Mar 2019 Refinance Oct 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`8-235-007`

Property Details

APN / Parcel Number

Primary APN	`8-235-007`
Alternative APN	`117958`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
1st Floor Area	1,040 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,673 sqft (0.566 acres)
Garage Type	Attached
Boat Access	Boat Access
Boat House	350 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	117958
Street Address	403 HARBOR DR
City	NEW BERN
State	NC
Zip	28560-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR10
Legal Description	WOODROW MARSHES
Legal Subdivision	RAYMOND C CONNER RESURV
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	1
Census Block	1013
Census Tract	960502

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	2 Individual Names on Record
Mailing Address	403 HARBOR DR, NEW BERN, NC 28560-2205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance US SMALL BUSINESS ADMINISTRATION
Oct 27, 2017	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2025 · Amount on Record
Deed Sale	Aug 21, 2025 · Amount on Record
Prior Sale	Oct 27, 2017 · Amount on Record
Deed Document Number	202510144873
Deed Book / Page	3848 / 1862
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	403 HARBOR DR, NEW BERN, NC 28560-2205
Transaction Type	Mortgage
Record Updated	Apr 10, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3564/512
Date	Mar 18, 2019
Book Page	3564/512
Instrument	10035081

Lender

Name	US SMALL BUSINESS ADMINISTRATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Apr 1, 2033

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Oct 27, 2017
Property Address	403 HARBOR DR, NEW BERN, NC 28560-2205
Document Number	3517/1886
Book / Page	3517 / 1886
Instrument Date	Oct 27, 2017
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$624.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 MEADOW CREEK DR, WESTMINSTER, MD 21158-4434

Mortgage

Document Number	3517/1889
Date	Oct 27, 2017
Book Page	3517/1889

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,546.00 (+48.85%)	$517,450 (+44.83%) Land $157,500 Building $359,950	$517,450 (+44.83%) Land $157,500 Building $359,950
2025		$357,280 (-) Land $157,500 Building $199,780	$357,280 (-) Land $157,500 Building $199,780
2024	$3,054.00 (+1.6%)
2023	$3,006.00 (+13.09%)	$357,280 (+43.3%) Land $157,500 Building $199,780	$357,280 (+43.3%) Land $157,500 Building $199,780
2022	$2,658.00	$249,320 Land $93,500 Building $155,820
2018			$249,320 Land $93,500 Building $155,820

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 203 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	203 in force
Nearby Flood Claims	82 (1996–2024)
Claims Outside the SFHA	1 of 82
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Hurricane Florence, Sep 2018 · 73 claims Hurricane Irene, Aug 2011 · 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	Not rated no burnable land within ember reach

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	CITY OF NEW BERN serves 37,884 people · EPA ID NC0425010
Water Source	Groundwater
Last State Inspection	Sep 2025
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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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