404 Lake Rd, Havelock, NC 28532 Property Records

Craven County property record for 404 Lake Rd, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,733 sqft · built 1978
Lot Size	0.371 acres (16,149 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (May 2019)
Tax Bill	$2,042 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6-218-1-SCT1-017`

Property Details

APN / Parcel Number

Primary APN	`6-218-1-SCT1-017`
Alternative APN	`125557`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,733 sqft Living Area
1st Floor Area	1,733 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	16,149 sqft (0.371 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	125557
Street Address	404 LAKE RD
City	HAVELOCK
State	NC
Zip	28532-2924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17 SEC1 MARMANN TER
Legal Subdivision	MARMANN TERRACE
Legal Block	3115
Legal Lot Number	0165
Jurisdiction	CRAVEN NC
Township / Civil Division	6
Census Block Group	2
Census Block	2077
Census Tract	961102

Owner

404 Lake Rd is owned and occupied by two individuals who bought it in May 2019.

Source: Craven County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	404 LAKE RD, HAVELOCK, NC 28532-2924
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2019 · Amount on File
Deed Sale	May 24, 2019 · Amount on File
Prior Sale	Jan 1, 1980 · Amount on File
Deed Document Number	201910038207
Deed Book / Page	3571 / 1337
Prior Transfer Date	Mar 1, 2012
Prior Transfer Doc	3115/0165
Record Updated	Oct 29, 2026

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CRAVEN NC
Recording Date	May 24, 2019
Property Address	404 LAKE RD, HAVELOCK, NC 28532-2924
Document Number	3571/1337
Book / Page	3571 / 1337
Instrument Date	May 3, 2019
Instrument	10038207
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 LAKE RD, HAVELOCK, NC 28532-2924

Mortgage

Document Number	03571/1342
Date	May 24, 2019
Book Page	3571/1342
Instrument	10038208

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 404 Lake Rd was $2,042.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$169,170 (-) Land $40,000 Building $129,170	$169,170 (-) Land $40,000 Building $129,170
2025	$2,042.00	$169,170 Land $40,000 Building $129,170	$169,170 Land $40,000 Building $129,170
2023	$1,982.00 (+15.84%)	$169,170 (+18.86%) Land $40,000 Building $129,170	$169,170 Land $40,000 Building $129,170
2022	$1,711.00	$142,330 Land $40,000 Building $102,330
2018			$142,330 Land $40,000 Building $102,330

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 404 Lake Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2011.

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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	6 (2011–2018)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Nov 2018 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 4 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 404 Lake Rd is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.1% 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	HAVELOCK WATER SYSTEM serves 14,925 people · EPA ID NC0425015
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Metronet.

Cell Coverage

5G and 4G LTE (outdoors only)

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