4845 River Rd, Vanceboro, NC 28586 Property Records

Craven County property record for 4845 River Rd, Vanceboro, NC 28586

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,440 sqft · built 1973
Lot Size	2.99 acres (130,636 sqft)
Owner	2 Individual Names on File
Last Sale	$193,000 (Dec 2019)
Tax Bill	$1,075 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`1-048-020`

Property Details

APN / Parcel Number

Primary APN	`1-048-020`
Alternative APN	`127944`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	1,320 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	130,636 sqft (2.99 acres)
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	127944
Street Address	4845 RIVER RD
City	VANCEBORO
State	NC
Zip	28586-8545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COW PEN PORTION TR 1 OBERCI PLOT PLAN
Legal Tract	1
Jurisdiction	CRAVEN NC
Township / Civil Division	1
Census Block Group	2
Census Block	2037
Census Tract	960201

Owner

4845 River Rd is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4845 RIVER RD, VANCEBORO, NC 28586-8545
Occupancy	Owner Occupied
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
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage TITAN MUTUAL LENDING INC
Dec 12, 2019	Warranty Deed, Transfer · FHA Mortgage SIGNATURE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2019 · Amount on File
Deed Sale	Dec 12, 2019 · Amount on File
Deed Document Number	201910047693
Deed Book / Page	3595 / 197
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	4845 RIVER RD, VANCEBORO, NC 28586-8545
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03697/1273
Date	Oct 29, 2021
Book Page	3697/1273
Instrument	10086020

Lender

Name	TITAN MUTUAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Dec 12, 2019
Property Address	4845 RIVER RD, VANCEBORO, NC 28586-8545
Document Number	003595/197
Book / Page	3595 / 197
Instrument Date	Nov 14, 2019
Instrument	10047693
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4845 RIVER RD, VANCEBORO, NC 28586-8545

Mortgage

Document Number	003595/202
Date	Dec 12, 2019
Book Page	3595/202
Instrument	10047694

Lender

Name	SIGNATURE MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 4845 River Rd was $1,075.

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	$1,075.00	$215,960 (-) Land $21,420 Building $194,540	$215,960 (-) Land $21,420 Building $194,540
2025	$1,075.00	$215,960 Land $21,420 Building $194,540	$215,960 Land $21,420 Building $194,540
2023	$1,063.00 (+24.77%)	$215,960 (+59.46%) Land $21,420 Building $194,540	$215,960 Land $21,420 Building $194,540
2022	$852.00	$135,430 Land $21,420 Building $114,010
2018			$135,430 Land $21,420 Building $114,010

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

Flood

FEMA maps place 4845 River Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 45 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	45 in force
Nearby Flood Claims	16 (2010–2019)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Jul 2019 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 4 claims Hurricane Matthew, Oct 2016 · 9 claims Severe Storms, Flooding, And Straight-line Winds, Oct 2010 · 2 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

Wildfire risk around 4845 River Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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