614 Middle St, New Bern, NC 28560 Property Records

Craven County property record for 614 Middle St, New Bern, NC 28560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,466 sqft · built 1890
Lot Size	0.117 acres (5,092 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (Jun 2022)
Tax Bill	$5,365 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Jun 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`8-003-163`

Property Details

APN / Parcel Number

Primary APN	`8-003-163`
Alternative APNs	`104505` `35111`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,466 sqft Living Area
1st Floor Area	1,466 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	5,092 sqft (0.117 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	104505
Street Address	614 MIDDLE ST
City	NEW BERN
State	NC
Zip	28560-4020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR10
Legal Description	614 MIDDLE ST
Legal Subdivision	TRADEWINDS CONDOMINIUMS PHASE 5
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	1
Census Block	1022
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	614 MIDDLE ST, NEW BERN, NC 28560-4020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 1, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2022 · Amount on Record
Deed Sale	Jun 9, 2022 · Amount on Record
Prior Sale	Jun 1, 2022 · Amount on Record
Deed Document Number	202210098312
Deed Book / Page	3729 / 712
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	614 MIDDLE ST, NEW BERN, NC 28560-4020
Transaction Type	Mortgage
Record Updated	Nov 22, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 MIDDLE ST, NEW BERN, NC 28560-4020

Mortgage

Document Number	003781/520
Date	Nov 7, 2023
Book Page	3781/520
Instrument	10119387

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Jun 1, 2022
Property Address	614 MIDDLE ST, NEW BERN, NC 28560-4020
Document Number	003728/223
Book / Page	3728 / 223
Instrument Date	May 25, 2022
Instrument	10097825
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 MIDDLE ST, NEW BERN, NC 28560-4020

Mortgage

Document Number	0003728226
Date	Jun 1, 2022
Instrument	3728/226

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

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	$5,365.00 (+3.53%)	$612,140 (-) Land $48,380 Building $563,760	$612,140 (-) Land $48,380 Building $563,760
2025	$5,182.00 (+1.45%)	$612,140 (-) Land $48,380 Building $563,760	$612,140 (-) Land $48,380 Building $563,760
2023	$5,108.00 (+36.43%)	$612,140 (+73.14%) Land $48,380 Building $563,760	$612,140 (+73.14%) Land $48,380 Building $563,760
2022	$3,744.00	$353,560 Land $80,000 Building $273,560
2018			$353,560 Land $80,000 Building $273,560

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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

May also be available: Metronet.

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