409 Hardy Ave, New Bern, NC 28560 Property Records

Craven County property record for 409 Hardy Ave, New Bern, NC 28560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,710 sqft · built 1964
Lot Size	0.499 acres (21,728 sqft)
Owner	2 Individual Names on Record
Last Sale	$279,000 (Jul 2026)
Tax Bill	$1,157 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2024 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`7-022-014-A`

Property Details

APN / Parcel Number

Primary APN	`7-022-014-A`
Alternative APNs	`123605` `109763` `138708`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,710 sqft Living Area
1st Floor Area	1,710 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,728 sqft (0.499 acres)
Lot Dimensions	179 ft deep x 125 ft wide
Garage Type	Attached
Storage Building	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	138708
Street Address	409 HARDY AVE
City	NEW BERN
State	NC
Zip	28560-6909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 LENA TARBOX SUB
Legal Subdivision	LENA TARBOX SUB
Legal Lot Number	6
Jurisdiction	CRAVEN NC
Township / Civil Division	7
Census Block Group	2
Census Block	2000
Census Tract	961002

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	409 HARDY AVE, NEW BERN, NC 28560-6909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Mar 1, 2024	Intrafamily Transfer, Transfer
Sep 20, 2022	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jan 14, 2022	Re-recorded Document
Jan 10, 2022	Trustee's Deed, Foreclosure
Jul 5, 2017	Intrafamily Transfer, Transfer · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	Mar 1, 2024
Deed Document Number	202610158852
Deed Book / Page	3887 / 1782
Prior Transfer Date	Jan 30, 2024
Prior Transfer Doc	03790/1748
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Jul 14, 2026
Property Address	409 HARDY AVE, NEW BERN, NC 28560-6909
Document Number	0010158852
Book / Page	3887 / 1782
Instrument Date	Jul 2, 2026
Instrument	202610158852
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$56,358.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HARDY AVE, NEW BERN, NC 28560-6909

Mortgage

Document Number	0010158853,
Date	Jul 14, 2026
Instrument	202610158853

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CRAVEN NC
Recording Date	Mar 1, 2024
Property Address	409 HARDY AVE, NEW BERN, NC 28560-6909
Document Number	03790/1748
Book / Page	3790 / 1748
Instrument Date	Jan 30, 2024
Instrument	10123297
Transaction Type	Transfer
Record Updated	Apr 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4429 OLD CHERRY POINT RD, NEW BERN, NC 28560-8004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HARDY AVE, NEW BERN, NC 28560-6909
Investor	Possibly a Property Investor

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Sep 20, 2022
Property Address	409 HARDY AVE, NEW BERN, NC 28560-6909
Document Number	03741/1576
Book / Page	3741 / 1576
Map Reference	MB 4 PG 41
Instrument Date	Sep 7, 2022
Instrument	10103368
Transaction Type	Transfer
Record Updated	Oct 5, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	487 HWY 70 BETTIE, 487, BEAUFORT, NC 28516-6500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HARDY AVE, NEW BERN, NC 28560-6909
Investor	Possibly a Property Investor

Mortgage

Document Number	0037411579
Date	Sep 20, 2022
Instrument	3741/1579

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Mortgage

Document Number	03741/1596
Date	Sep 20, 2022
Book Page	3741/1596
Instrument	10103370

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 19, 2037

January 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	CRAVEN NC
Recording Date	Jan 14, 2022
Property Address	409 HARDY AVE, NEW BERN, NC 28560-6909
Document Number	003708/336
Book / Page	3708 / 336
Map Reference	MB 4 PG 41
Instrument Date	Jan 14, 2022
Instrument	10090145
Record Updated	Aug 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10500 KINCAID DR STE 300, 10500, FISHERS, IN 46037-9764

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 WEST END AVE STE 760, 760, NASHVILLE, TN 37203-6860

January 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CRAVEN NC
Recording Date	Jan 10, 2022
Property Address	409 HARDY AVE, NEW BERN, NC 28560-6909
Document Number	03707/1122
Book / Page	3707 / 1122
Map Reference	MB 4 PG 41
Instrument Date	Jan 10, 2022
Instrument	10089866
Transaction Type	Foreclosure
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Tax	$263.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10500 KINCAID DR STE 300, 300, FISHERS, IN 46037-9764

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CRAVEN NC
Recording Date	Jul 5, 2017
Property Address	409 HARDY AVE, NEW BERN, NC 28560-6909
Document Number	03506/1039
Book / Page	3506 / 1039
Instrument Date	Jun 30, 2017
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 HARDY AVE, 409, NEW BERN, NC 28560-6909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HARDY AVE, NEW BERN, NC 28560-6909

Mortgage

Document Number	03506/1045
Date	Jul 5, 2017
Book Page	3506/1045

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 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
Unified School District	Craven County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,157.00	$233,590 (-) Land $35,000 Building $198,590	$233,590 (-) Land $35,000 Building $198,590
2025	$1,157.00 (+1.05%)	$233,590 (-) Land $35,000 Building $198,590	$233,590 (-) Land $35,000 Building $198,590
2023	$1,145.00 (+41.88%)	$233,590 (+82.81%) Land $35,000 Building $198,590	$233,590 (+82.81%) Land $35,000 Building $198,590
2022	$807.00	$127,780 Land $22,750 Building $105,030
2018			$127,780 Land $22,750 Building $105,030

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (1999)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations

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	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	FAIRFIELD HARBOUR private · serves 5,514 people · EPA ID NC0425132
Water Source	Groundwater
Last State Inspection	May 2025
Also Mapped Here	CRAVEN COUNTY WATER SYSTEM
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2020
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 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
T-Mobile Fixed Wireless	100 / 20

409 Hardy Ave, New Bern, NC 28560 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2024: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

January 2022: Re-recorded Document

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2022: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2017: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Hardy Ave

Nearby Streets

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