321 GARDENIA ST KINSTON NC 285045338, KINSTON, NC 28504-5338
Mortgage
Document Number
18950171
Date
Oct 2, 2020
Book Page
001895/000171
Lender
Name
ATLANTIC BAY MTG
Type
Mortgage Company
Address
VIRGINIA BEACH, VA 23452
Agreement
Amount
Amount on Record
Term
360 Months
Due
Oct 1, 2050
Tax Assessment & Valuation
The 2026 property tax bill for 5309 Echo Dr was $1,350.
Source: Lenoir County assessment roll, as of October 15, 2026
Property Jurisdictions
Type
Name
State
North Carolina
County
Lenoir County
Unified School District
Lenoir County Schools (PK - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2026
$1,350.00
$184,263 (-)Land $96,245Building $88,018
$184,263 (-)Land $96,245Building $88,018
2025
$1,350.00
$184,263Land $96,245Building $88,018
$184,263Land $96,245Building $88,018
2023
$1,848.00
$174,197Land $47,240Building $126,957
$174,197Land $47,240Building $126,957
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Flood
FEMA maps place 5309 Echo Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1999.
Source: FEMA National Flood Hazard Layer, effective June 18, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
FEMA Flood Zone
Zone X minimal risk
Flood Insurance Requirement
Not required lenders may require it
Community Rating System
Class 7 (15% premium discount)
Nearby Flood Policies
7 in force
Nearby Flood Claims
4 (1999–2018)
Claims Outside the SFHA
3 of 4
Most Recent Claim
Sep 2018 · Hurricane Florence
Claims by Event
Hurricane Matthew, Oct 2016 · 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 5309 Echo Dr is low, with 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood
0.01% 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
NORTH LENOIR WATER CORP private · serves 15,494 people · EPA ID NC0454025
Water Source
Purchased surface water from several systems
Last State Inspection
Oct 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
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 24 locations within half a mile, as of December 31, 2025