517 Middle St, New Bern, NC 28560 Property Records

Craven County property record for 517 Middle St, New Bern, NC 28560

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,446 sqft · built 1890
Lot Size	0.148 acres (6,432 sqft)
Owner	Individual Name on Record
Last Sale	$640,000 (May 2023)
Tax Bill	$3,780 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8-002-088`

Property Details

APN / Parcel Number

Primary APN	`8-002-088`
Alternative APNs	`130552` `125306`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,446 sqft Living Area
1st Floor Area	1,446 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Metal
Lot Area	6,432 sqft (0.148 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	125306
Street Address	517 MIDDLE ST
City	NEW BERN
State	NC
Zip	28560-4932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC5
Legal Description	88 517 MIDDLE ST
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	1
Census Block	1020
Census Tract	960900

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	517 MIDDLE ST, NEW BERN, NC 28560-4932
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2023 · Amount on Record
Deed Sale	May 18, 2023 · Amount on Record
Deed Document Number	202310112605
Deed Book / Page	3764 / 254
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CRAVEN NC
Recording Date	May 18, 2023
Property Address	517 MIDDLE ST, NEW BERN, NC 28560-4932
Document Number	003764/254
Book / Page	3764 / 254
Map Reference	MB 393 PG 122
Instrument Date	May 4, 2023
Instrument	10112605
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 MIDDLE ST, NEW BERN, NC 28560-4932

Mortgage

Document Number	003764/257
Date	May 18, 2023
Book Page	3764/257
Instrument	10112606

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Jun 1, 2030
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	Other
Max Rate	11.3%

Tax Assessment & Valuation

Source: Craven County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Craven County
Municipality	New Bern City
Unified School District	Craven County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,780.00 (+3.5%)	$428,880 (-) Land $50,310 Building $378,570	$428,880 (-) Land $50,310 Building $378,570
2025	$3,652.00 (+11.38%)	$428,880 (+9.87%) Land $50,310 Building $378,570	$428,880 (+9.87%) Land $50,310 Building $378,570
2023	$3,279.00	$390,360 Land $50,310 Building $340,050	$390,360 Land $50,310 Building $340,050

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 222 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	383 units insured incl. 161 condo units
Nearby Flood Claims	414 (1979–2023)
Claims Outside the SFHA	24 of 414
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 187 claims Hurricane Irene, Aug 2011 · 72 claims Hurricane Fran, Oct 1996 · 73 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	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.

Drinking Water

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

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, 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 194 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20