Craven County property record for 509 Watson Ave, New Bern, NC 28560
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,053 sqft · built 1948 |
| Lot Size | 0.184 acres (7,999 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Jun 2023) |
| Tax Bill | $945 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage Jul 2023 Mortgage + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 8-016-025 |
| Primary APN | 8-016-025 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,053 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,999 sqft (0.184 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 135148 |
|---|---|
| Street Address | 509 WATSON AVE |
| City | NEW BERN |
| State | NC |
| Zip | 28560-3145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR6 |
| Legal Description | 105 CLEVELAND PARK |
| Legal Subdivision | CLEVELAND PARK |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 960800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Riverside Historic District listed 1988 · 178 contributing resources · NRIS 87002579 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
509 Watson Ave is owned and occupied by an individual who bought it in June 2023.
Source: Craven County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 509 WATSON AVE, NEW BERN, NC 28560-3145 |
| 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.
| Date | Document |
|---|---|
| Jul 19, 2023 | Deed of Trust, Mortgage ALCOVA MORTGAGE LLC |
| Jul 19, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Jun 14, 2023 | Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Jan 31, 2023 | Intrafamily Transfer, Transfer |
| Nov 27, 2018 | Deed of Trust, Mortgage · SBA Mortgage US SMALL BUSNS ADMIN |
| Feb 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2023 · Amount on File |
| Deed Sale | Jun 14, 2023 · Amount on File |
| Prior Sale | Feb 8, 2021 · Amount on File |
| Deed Document Number | 202310113614 |
| Deed Book / Page | 3766 / 1634 |
| Prior Transfer Date | Sep 9, 2021 |
| Prior Transfer Doc | 003754/121 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 509 WATSON AVE, NEW BERN, NC 28560-3145 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 509 WATSON AVE, NEW BERN, NC 28560-3145 |
| Document Number | 003770/458 |
|---|---|
| Date | Jul 19, 2023 |
| Book Page | 3770/458 |
| Instrument | 10114991 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 509 WATSON AVE, NEW BERN, NC 28560-3145 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 37 APPALOOSA CT C, C, HAVELOCK, NC 28532-2947 |
| Document Number | 003770/444 |
|---|---|
| Date | Jul 19, 2023 |
| Book Page | 3770/444 |
| Instrument | 10114990 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROANOKE, VA 24011 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Jun 14, 2023 |
| Property Address | 509 WATSON AVE, NEW BERN, NC 28560-3145 |
| Document Number | 03766/1634 |
| Book / Page | 3766 / 1634 |
| Instrument Date | Jun 7, 2023 |
| Instrument | 10113614 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 221 BERNHURST RD, NEW BERN, NC 28560-5006 |
| Name | Verified Name |
|---|---|
| Address | 509 WATSON AVE, NEW BERN, NC 28560-3145 |
| Document Number | 03766/1637 |
|---|---|
| Date | Jun 14, 2023 |
| Book Page | 3766/1637 |
| Instrument | 10113615 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROANOKE, VA 24011 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Jan 31, 2023 |
| Property Address | 509 WATSON AVE, NEW BERN, NC 28560-3145 |
| Document Number | 003754/121 |
| Book / Page | 3754 / 121 |
| Map Reference | MB 2 PG 93 |
| Instrument Date | Sep 2, 2021 |
| Instrument | 10108550 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9933 KOUPELA DR, RALEIGH, NC 27614-9032 |
| Name | Verified Name |
|---|---|
| Address | 509 WATSON AVE, NEW BERN, NC 28560-3145 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 509 WATSON AVE, NEW BERN, NC 28560-3145 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003553/0000001713 |
|---|---|
| Date | Nov 27, 2018 |
| Book Page | 0000003553/0000001713 |
| Instrument | 000010030301 |
| Name | US SMALL BUSNS ADMIN |
|---|
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 170 Months |
| Due | Jan 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Feb 8, 2021 |
| Property Address | 509 WATSON AVE, NEW BERN, NC 28560-3145 |
| Document Number | 3653/93 |
| Book / Page | 3653 / 93 |
| Instrument Date | Jan 13, 2021 |
| Instrument | 10069335 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6203 CATALINA DR UNIT 1112, 6203, NORTH MYRTLE BEACH, SC 29582-9541 |
| Name | Verified Name |
|---|---|
| Address | 509 WATSON AVE, NEW BERN, NC 28560-3145 |
| Document Number | 365396 |
|---|---|
| Date | Feb 8, 2021 |
| Instrument | 3653/96 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
The 2026 property tax bill for 509 Watson Ave was $945, up 3.3% 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 | $945.00 (+3.28%) | $101,000 (-) Land $20,000 Building $81,000 | $101,000 (-) Land $20,000 Building $81,000 |
| 2025 | $915.00 | $101,000 Land $20,000 Building $81,000 | $101,000 Land $20,000 Building $81,000 |
| 2023 | $893.00 | $101,000 Land $20,000 Building $81,000 | $101,000 Land $20,000 Building $81,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 Watson Ave 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 161 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 161 in force |
| Nearby Flood Claims | 146 (1982–2024) |
| Claims Outside the SFHA | 20 of 146 |
| 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.
Wildfire risk around 509 Watson Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 371 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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