415 Elsmore Dr, New Bern, NC 28562 Property Records

Craven County property record for 415 Elsmore Dr, New Bern, NC 28562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 2010
Lot Size	0.138 acres (5,991 sqft)
Owner	Individual Name on File
Last Sale	$264,000 (Jan 2024)
Tax Bill	$1,841 (2026)
Deeds & Mortgages	Jan 2024 Sale Jul 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8-210-A-204`

Property Details

APN / Parcel Number

Primary APN	`8-210-A-204`
Alternative APNs	`132483` `138180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,991 sqft (0.138 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	138180
Street Address	415 ELSMORE DR
City	NEW BERN
State	NC
Zip	28562-2294
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 204 CRAEBERNE FOREST PH II SCT I
Legal Subdivision	CRAEBERNE FOREST
Legal Phase	II
Legal Lot Number	204
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	2
Census Block	2077
Census Tract	960401

Owner

415 Elsmore Dr is owned by an individual who bought it in January 2024.

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

Owner of Record	Individual Name on File
Mailing Address	38 E VIA PLAZA NUEVA, SANTA FE, NM 87507-8491
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

Date	Document
Jan 8, 2024	Warranty Deed, Transfer
Jul 23, 2019	Deed of Trust, Mortgage · FHA Mortgage FIRST CITIZEN B&T CO
Sep 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Feb 2, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 23, 2019	Deed, Transfer · FHA Mortgage FIRST CITIZEN B&T CO
Dec 15, 2017	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2024 · Amount on File
Deed Sale	Jan 8, 2024 · Amount on File
Prior Sale	Feb 2, 2021 · Amount on File
Deed Document Number	202410121345
Deed Book / Page	3785 / 1944
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Jan 8, 2024
Property Address	415 ELSMORE DR, NEW BERN, NC 28562-2294
Document Number	03785/1944
Book / Page	3785 / 1944
Map Reference	CAB H SL 181B-181E
Instrument Date	Dec 18, 2023
Instrument	10121345
Transaction Type	Transfer
Record Updated	Jan 23, 2024

Transaction

Amount	Amount on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 FRIDA RD, NEW BERN, NC 28560-0008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 E VIA PLAZA NUEVA, SANTA FE, NM 87507-8491

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	415 ELSMORE DR, NEW BERN, NC 28562-2294
Transaction Type	Mortgage
Record Updated	Dec 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003578/104
Date	Jul 23, 2019
Book Page	3578/104
Instrument	10040859

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	415 ELSMORE DR, NEW BERN, NC 28562-2294
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03775/1400
Date	Sep 11, 2023
Book Page	3775/1400
Instrument	10117151

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2043

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Feb 2, 2021
Property Address	415 ELSMORE DR, NEW BERN, NC 28562-2294
Document Number	3652/492
Book / Page	3652 / 492
Map Reference	CAB H SL 181 B-181 E
Instrument Date	Jan 27, 2021
Instrument	10069016
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 ELSMORE DR, NEW BERN, NC 28562-2294

Mortgage

Document Number	3652495
Date	Feb 2, 2021
Instrument	3652/495

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CRAVEN NC
Recording Date	Jul 23, 2019
Property Address	415 ELSMORE DR, NEW BERN, NC 28562-2294
Document Number	3578/100
Book / Page	3578 / 100
Instrument Date	Jun 13, 2019
Instrument	10040858
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 ELSMORE DR, NEW BERN, NC 28562-2294

Mortgage

Document Number	3578/104
Date	Jul 23, 2019
Book Page	3578/104
Instrument	10040859

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Dec 15, 2017
Property Address	415 ELSMORE DR, NEW BERN, NC 28562-2294
Document Number	3522/0650
Book / Page	3522 / 0650
Map Reference	PL CAB H SL 181
Instrument Date	Dec 8, 2017
Instrument	10016511
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12A SCOTT CIR, 12A, HANSCOM AFB, MA 01731-2627

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 ELSMORE DR, NEW BERN, NC 28562-2294

Mortgage

Document Number	3522/0653
Date	Dec 15, 2017
Book Page	3522/0653

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 415 Elsmore Dr was $1,841, up 3.5% from the year before.

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	$1,841.00 (+3.49%)	$204,590 (-) Land $40,000 Building $164,590	$204,590 (-) Land $40,000 Building $164,590
2025	$1,779.00	$204,590 Land $40,000 Building $164,590	$204,590 Land $40,000 Building $164,590
2023	$1,747.00 (+16.08%)	$204,590 (+47.46%) Land $40,000 Building $164,590	$204,590 Land $40,000 Building $164,590
2022	$1,505.00	$138,740 Land $30,000 Building $108,740
2018			$138,740 Land $30,000 Building $108,740

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

Flood

FEMA maps place 415 Elsmore Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1996.

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 42 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	4 (1996–2018)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2018 · Hurricane Florence

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 415 Elsmore Dr is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 65% of North Carolina
Wildfire Likelihood	0.06% 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	CRAVEN COUNTY WATER SYSTEM serves 37,848 people · EPA ID NC0425055
Water Source	Groundwater
Last State Inspection	Oct 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	2 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 364 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	1,000 / 1,000
Optimum Cable	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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