Lenoir County property record for 648 Cobb Rd, Kinston, NC 28501
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,185 sqft · built 2019 |
| Lot Size | 2.66 acres (115,870 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $20,000 (Jul 2017) |
| Tax Bill | $2,894 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage May 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 453302759478 |
| Primary APN | 453302759478 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,185 sqft Finished Area |
| Year Built | Built 2019 |
|---|---|
| Foundation Type | Concrete |
| Lot Area | 115,870 sqft (2.66 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 648 COBB RD |
|---|---|
| City | KINSTON |
| State | NC |
| Zip | 28501-9591 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SR 1903 TRACT 4 648 COBB RD |
| Legal Subdivision | TRACT 4 |
| Legal Tract | 4 |
| Jurisdiction | LENOIR NC |
| Township / Civil Division | SOUTHWEST |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 11400 |
Source: Lenoir County records, as of October 10, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 648 COBB RD, KINSTON, NC 28501-9591 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 6, 2021 | Deed of Trust, Mortgage · Closed-End Mortgage HOME LOAN AND INVESTMENT BANK FSB |
| May 20, 2019 | Deed of Trust, Mortgage · ARM AFFILIATED MORTGAGE SERVICES |
| Jun 8, 2020 | Loan Modification, Mortgage AFFILIATED MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2017 · Amount on Record |
| Deed Sale | Jul 31, 2017 · Amount on Record |
| Deed Document Number | 0001808384 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LENOIR NC |
| Property Address | 648 COBB RD, KINSTON, NC 28501-9591 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2022 |
| Title Company | RES/TITLE INC, RES TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 648 COBB RD, KINSTON, NC 28501-9591 |
| Document Number | 0019250571 |
|---|---|
| Date | Aug 6, 2021 |
| Book Page | 1925/571 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Address | WARWICK, RI 02886 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 81 Months |
| Due | May 24, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LENOIR NC |
| Property Address | 648 COBB RD, KINSTON, NC 28501-9591 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0018560528 |
|---|---|
| Date | May 20, 2019 |
| Book Page | 1856/528 |
| Name | AFFILIATED MORTGAGE SERVICES |
|---|---|
| Type | Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.2% |
| Type Change Date | Jun 1, 2025 |
| Index | Other |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LENOIR NC |
| Property Address | 648 COBB RD, KINSTON, NC 28501-9591 |
| Document Number | 0018850182 |
| Instrument Date | Jun 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 648 COBB RD KINSTON NC 285019591, KINSTON, NC 28501-9591 |
| Document Number | 0018850182 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 001885/000182 |
| Name | AFFILIATED MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | ROCKY MOUNT, NC 27802-0428 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 10, 2050 |
| Rate Type | Fixed Rate |
|---|
Source: Lenoir County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lenoir County |
| Unified School District | Lenoir County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,894.00 (+92.8%) | $385,953 (+142.84%) Land $38,652 Building $347,301 | $385,953 (+142.84%) Land $38,652 Building $347,301 |
| 2023 | $1,501.00 | $158,936 Land $21,640 Building $137,296 | $158,936 Land $21,640 Building $137,296 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 51 (1996–2020) |
| Claims Outside the SFHA | 15 of 51 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
| 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.
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 | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEEP RUN WATER CORPORATION private · serves 14,196 people · EPA ID NC0454030 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| 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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
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