423 Rams Rd, Havelock, NC 28532 Property Records

Craven County property record for 423 Rams Rd, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,050 sqft · built 1981
Lot Size	0.286 acres (12,472 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,608 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6-220-E-F-017`

Property Details

APN / Parcel Number

Primary APN	`6-220-E-F-017`
Alternative APN	`113292`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	1,314 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1981
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,472 sqft (0.286 acres)
Storage Building	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	113292
Old Parcel Number	6-220-E-F017
Street Address	423 RAMS RD
City	HAVELOCK
State	NC
Zip	28532-1751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17 B-F COLLEGE PK S3
Legal Subdivision	COLLEGE PARK SEC 03
Jurisdiction	CRAVEN NC
Township / Civil Division	6
Census Block Group	2
Census Block	2000
Census Tract	961302

Owner

Source: Craven County records · APN 6-220-E-F-017

Assessment roll updated January 1, 2025 · Last verified October 2025

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 File
Mailing Address	423 RAMS RD, HAVELOCK, NC 28532-1751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 05, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 09, 2016
Deed Sale	Nov 09, 2016
Deed Document Number	0003481152
Record Updated	Jun 07, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	423 RAMS RD, HAVELOCK, NC 28532-1751
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3670/1298
Date	May 18, 2021
Book Page	3670/1298
Instrument	10075772

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	423 RAMS RD, HAVELOCK, NC 28532-1751
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3615/1478
Date	Jun 05, 2020
Book Page	3615/1478
Instrument	10055527

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 01, 2045

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	423 RAMS RD, HAVELOCK, NC 28532-1751
Transaction Type	Mortgage
Record Updated	Aug 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3578/846
Date	Jul 26, 2019
Book Page	3578/846
Instrument	10040990

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Aug 01, 2047

Tax Assessment & Valuation

Source: Craven County records · Assessment roll updated January 1, 2025 · Last verified October 2025

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

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	$1,608.00 (+4.21%)	$131,930 (-) Land $40,000 Building $91,930	$131,930 (-) Land $40,000 Building $91,930
2023	$1,543.00 (+22.36%)	$131,930 (+26.29%) Land $40,000 Building $91,930	$131,930 (+26.29%) Land $40,000 Building $91,930
2022	$1,261.00	$104,470 Land $35,000 Building $69,470
2018			$104,470 Land $35,000 Building $69,470

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 30 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	34 (1998–2021)
Claims Outside the SFHA	34 of 34
Most Recent Claim	Jun 2021 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 20 claims Severe Storms, Flooding, And Straight-line Winds, Sep 2010 · 2 claims

Wildfire

Wildfire Risk	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

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
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 375 locations within half a mile of this property.

Drinking Water

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	HAVELOCK WATER SYSTEM serves 14,925 people
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 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.

423 Rams Rd, Havelock, NC 28532 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

May 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Rams Rd

Nearby Streets

Search Property Records by Address or Parcel Number