Craven County property record for 509 Harbor Dr, New Bern, NC 28560
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 2,256 sqft · built 2025 |
| Lot Size | 0.921 acres (40,116 sqft) |
| Owner | Trust Name on File |
| Last Sale | $910,000 (Jul 2022) |
| Tax Bill | $4,080 (2026) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Jan 2019 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 8-111-001 |
| Primary APN | 8-111-001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 3 Stories |
| Building Area | 2,256 sqft Living Area |
| 1st Floor Area | 2,147 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 40,116 sqft (0.921 acres) |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 105918 |
|---|---|
| Street Address | 509 HARBOR DR |
| City | NEW BERN |
| State | NC |
| Zip | 28560-2203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR10 |
| Legal Description | WOODROW MARSHES LT 1 |
| Legal Block | 3559 |
| Legal Lot Number | 1 |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 8 |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 960502 |
509 Harbor Dr is held in a trust since July 2022.
Source: Craven County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 5036 WITTERING DR, COLUMBIA, SC 29206-2923 |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jan 23, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 20, 2022 · Amount on File |
| Deed Sale | Jul 20, 2022 · Amount on File |
| Prior Sale | Jan 23, 2019 |
| Deed Document Number | 202210100363 |
| Deed Book / Page | 3734 / 798 |
| Prior Transfer Date | Jan 17, 2019 |
| Prior Transfer Doc | 0003559/69 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Jul 20, 2022 |
| Property Address | 509 HARBOR DR, NEW BERN, NC 28560-2203 |
| Document Number | 003734/798 |
| Book / Page | 3734 / 798 |
| Map Reference | MB 3655 PG 810 |
| Instrument Date | Jul 6, 2022 |
| Instrument | 10100363 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 5063 WITTERING DR, COLUMBIA, SC 29206-2922 |
| Document Number | 0003734802 |
|---|---|
| Date | Jul 20, 2022 |
| Instrument | 3734/802 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Aug 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.75% |
| Index | 1-Year CMT |
| Max Rate | 6.75% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Jan 23, 2019 |
| Property Address | 509 HARBOR DR, NEW BERN, NC 28560-2203 |
| Document Number | 0003559/69 |
| Book / Page | 3559 / 69 |
| Instrument Date | Jan 17, 2019 |
| Instrument | 10032725 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 509 HARBOR DR, NEW BERN, NC 28560-2203 |
The 2026 property tax bill for 509 Harbor Dr was $4,080, up 183.3% from the year before.
Source: Craven County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Craven County |
| Municipality | New Bern City |
| Unified School District | Craven County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,080.00 (+183.33%) | $463,490 (+168.69%) Land $172,500 Building $290,990 | $463,490 (+168.69%) Land $172,500 Building $290,990 |
| 2025 | $1,440.00 | $172,500 Land $172,500 | $172,500 Land $172,500 |
| 2023 | $3,535.00 | $421,350 Land $172,500 Building $248,850 | $421,350 Land $172,500 Building $248,850 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 509 Harbor Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 203 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 203 in force |
| Nearby Flood Claims | 82 (1996–2024) |
| Claims Outside the SFHA | 1 of 82 |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
| Claims by Event |
|
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.
The area around 509 Harbor Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF NEW BERN serves 37,884 people · EPA ID NC0425010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 4 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 |
| Verizon Fixed Wireless | 300 / 20 |
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