Craven County property record for 406 Garner Rd, New Bern, NC 28560
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 1951 |
| Lot Size | 0.865 acres (37,660 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $115,000 (Oct 2011) |
| Tax Bill | $1,015 (2025) |
| Deeds & Mortgages | May 2026 Sale May 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7-020-045 |
| Primary APN | 7-020-045 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 37,660 sqft (0.865 acres) |
| Storage Building | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 89891 |
|---|---|
| Street Address | 406 GARNER RD |
| City | NEW BERN |
| State | NC |
| Zip | 28560-6719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 46 HUMPHREY |
| Legal Subdivision | CHRISTINA MARIE HUGHES SURV |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 7 |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 961002 |
Source: Craven County records · APN 7-020-045
Assessment roll updated October 7, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 406 GARNER RD, NEW BERN, NC 28560-6719 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| May 13, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| May 13, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Nov 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Sep 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 04, 2011 · Amount on Record |
| Deed Sale | Oct 04, 2011 · Amount on Record |
| Deed Book / Page | 3030 / 253 |
| Last Transfer Date | May 13, 2026 |
| Transfer Doc | 003880/296 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | May 13, 2026 |
| Property Address | 406 GARNER RD, NEW BERN, NC 28560-6719 |
| Document Number | 0010156149 |
| Book / Page | 3880 / 296 |
| Instrument Date | May 13, 2026 |
| Instrument | 2026.10156149 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 406 GARNER RD, NEW BERN, NC 28560-6719 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | May 13, 2026 |
| Property Address | 406 GARNER RD, NEW BERN, NC 28560-6719 |
| Document Number | 003880/296 |
| Book / Page | 3880 / 296 |
| Instrument Date | May 13, 2026 |
| Instrument | 202610156149 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 406 GARNER RD, NEW BERN, NC 28560-6719 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 406 GARNER RD, NEW BERN, NC 28560-6719 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 3699/766 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 3699/766 |
| Instrument | 10086697 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 406 GARNER RD, NEW BERN, NC 28560-6719 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 0035141785 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 3514/1785 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
Source: Craven County records · Assessment roll updated October 7, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Craven County |
| Unified School District | Craven County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,015.00 (+1.2%) | $202,980 (-) Land $35,000 Building $167,980 | $202,980 (-) Land $35,000 Building $167,980 |
| 2023 | $1,003.00 (+30.09%) | $202,980 (+66.92%) Land $35,000 Building $167,980 | $202,980 (+66.92%) Land $35,000 Building $167,980 |
| 2022 | $771.00 | $121,600 Land $33,250 Building $88,350 | |
| 2018 | $121,600 Land $33,250 Building $88,350 |
Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 8 in force |
| Nearby Flood Claims | 6 (1999–2022) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | May 2022 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Optimum Communications Cable | 940 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 103 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CRAVEN COUNTY WATER SYSTEM serves 37,848 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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