420 Pine Cliff Rd, Havelock, NC 28532 Property Records

Craven County property record for 420 Pine Cliff Rd, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,442 sqft · built 1970
Lot Size	0.532 acres (23,155 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jan 2024)
Tax Bill	$1,019 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5-007-013`

Property Details

APN / Parcel Number

Primary APN	`5-007-013`
Alternative APNs	`138210` `88641`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,442 sqft Living Area
1st Floor Area	1,398 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Metal
Lot Area	23,155 sqft (0.532 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	138210
Street Address	420 PINE CLIFF RD
City	HAVELOCK
State	NC
Zip	28532-8706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1 SURVEY FOR DEMETRIS & DENISE COLLINS
Legal Tract	1
Jurisdiction	CRAVEN NC
Township / Civil Division	5
Census Block Group	3
Census Block	3005
Census Tract	961303

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	Individual Name on Record
Mailing Address	420 PINE CLIFF RD, HAVELOCK, NC 28532-8706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2024 · Amount on Record
Deed Sale	Jan 10, 2024 · Amount on Record
Prior Sale	May 24, 2011 · Amount on Record
Deed Document Number	202410121450
Deed Book / Page	3786 / 309
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Jan 10, 2024
Property Address	420 PINE CLIFF RD, HAVELOCK, NC 28532-8706
Document Number	003786/309
Book / Page	3786 / 309
Map Reference	MB J PG 67G-67G 1
Instrument Date	Jan 3, 2024
Instrument	10121450
Transaction Type	Transfer
Record Updated	Jan 25, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	219 JONAQUINS DR, BEAUFORT, NC 28516-9554

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 PINE CLIFF RD, HAVELOCK, NC 28532-8706

Mortgage

Document Number	003786/313
Date	Jan 10, 2024
Book Page	3786/313
Instrument	10121451

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	420 PINE CLIFF RD, HAVELOCK, NC 28532-8706
Transaction Type	Mortgage
Record Updated	Apr 11, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03718/1154
Date	Mar 28, 2022
Book Page	3718/1154
Instrument	10094141

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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	$1,019.00	$189,920 (-) Land $20,000 Building $169,920	$189,920 (-) Land $20,000 Building $169,920
2025	$1,019.00 (+42.72%)	$189,920 (+44.79%) Land $20,000 Building $169,920	$189,920 (+44.79%) Land $20,000 Building $169,920
2023	$714.00 (+0.99%)	$131,170 (+26.59%) Land $20,000 Building $111,170	$131,170 (+26.59%) Land $20,000 Building $111,170
2022	$707.00	$103,620 Land $23,000 Building $80,620
2018			$103,620 Land $23,000 Building $80,620

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
Flood Insurance Cost	Premium on Record median of 41 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	15 (2011–2024)
Claims Outside the SFHA	10 of 15
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 13 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	Moderate above 67% of the US · above 89% of North Carolina
Wildfire Likelihood	0.2% 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	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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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