603 Ferry Rd, Havelock, NC 28532 Property Records

Craven County property record for 603 Ferry Rd, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,729 sqft · built 1982
Lot Size	0.56 acres (24,375 sqft)
Owner	Individual Name on Record
Last Sale	$176,000 (Nov 2022)
Tax Bill	$938 (2026)
Deeds & Mortgages	May 2026 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5-003-054`

Property Details

APN / Parcel Number

Primary APN	`5-003-054`
Alternative APNs	`112662` `60883`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,729 sqft Living Area
1st Floor Area	1,729 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,375 sqft (0.56 acres)
Garage Type	Attached
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	112662
Street Address	603 FERRY RD
City	HAVELOCK
State	NC
Zip	28532-9331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Legal Description	LT 6 PLAN OF HAITI-COLES PARC
Legal Subdivision	HAITI
Legal Lot Number	6
Jurisdiction	CRAVEN NC
Township / Civil Division	5
Census Block Group	2
Census Block	2033
Census Tract	961303

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	603 FERRY RD, HAVELOCK, NC 28532-9331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Nov 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE MANAGEMENT LLC
Nov 22, 2022	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2022 · Amount on Record
Deed Sale	Nov 22, 2022 · Amount on Record
Deed Document Number	202210106128
Deed Book / Page	3748 / 508
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Recording Date	May 11, 2026
Property Address	603 FERRY RD, HAVELOCK, NC 28532-9331
Document Number	0010156037
Book / Page	3879 / 1867
Instrument Date	May 5, 2026
Instrument	202610156037
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 FERRY RD, HAVELOCK, NC 28532-9331

Mortgage

Document Number	0010156037,
Date	May 11, 2026
Book Page	3879/1867
Instrument	202610156037

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	603 FERRY RD, HAVELOCK, NC 28532-9331
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03518/0674
Date	Nov 1, 2017
Book Page	3518/0674

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Nov 22, 2022
Property Address	603 FERRY RD, HAVELOCK, NC 28532-9331
Document Number	003748/508
Book / Page	3748 / 508
Map Reference	CAB B SL 240
Instrument Date	Oct 27, 2022
Instrument	10106128
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 13245, NEW BERN, NC 28561-3245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 FERRY RD, HAVELOCK, NC 28532-9331

Mortgage

Document Number	0003748512
Date	Nov 22, 2022
Instrument	3748/512

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Mortgage

Document Number	003748/528
Date	Nov 22, 2022
Book Page	3748/528
Instrument	10106130

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$938.00 (+7.08%)	$173,650 (+7.68%) Land $12,000 Building $161,650	$173,650 (+7.68%) Land $12,000 Building $161,650
2025	$876.00 (+1.39%)	$161,260 (-) Land $12,000 Building $149,260	$161,260 (-) Land $12,000 Building $149,260
2023	$864.00 (+13.68%)	$161,260 (+43.88%) Land $12,000 Building $149,260	$161,260 (+43.88%) Land $12,000 Building $149,260
2022	$760.00	$112,080 Land $12,000 Building $100,080
2018			$112,080 Land $12,000 Building $100,080

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	34 (1992–2018)
Claims Outside the SFHA	13 of 34
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 16 claims Hurricane Irene, Aug 2011 · 10 claims Hurricane Isabel, Sep 2003 · 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

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

Wildfire Risk	Moderate above 69% of the US · above 91% of North Carolina
Wildfire Likelihood	0.2% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE only, no 5G reported

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