650 Joyner Dr, Havelock, NC 28532 Property Records

Craven County property record for 650 Joyner Dr, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,679 sqft · built 2002
Lot Size	6.06 acres (264,322 sqft)
Owner	Individual Name on Record
Last Sale	$705,000 (Apr 2025)
Tax Bill	$3,315 (2026)
Deeds & Mortgages	Mar 2022 Reverse Mortgage
Flood Zone	Zone AE (high risk)
APN	`5-021-1-023`

Property Details

APN / Parcel Number

Primary APN	`5-021-1-023`
Alternative APN	`34029`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,679 sqft Living Area
1st Floor Area	1,679 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	264,322 sqft (6.06 acres)
Lot Dimensions	979 ft deep x 214 ft wide

Exterior Amenities

Pool Area	360 sqft
Boat Access	Boat Access
Boat House	200 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	34029
Street Address	650 JOYNER DR
City	HAVELOCK
State	NC
Zip	28532-9094
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 WATERWAYS EDGE SECT II
Legal Subdivision	WATERWAYS EDGE
Legal Lot Number	23
Jurisdiction	CRAVEN NC
Township / Civil Division	5
Census Block Group	1
Census Block	1015
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	650 JOYNER DR, HAVELOCK, NC 28532-9094
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2025 · Amount on Record
Deed Sale	Apr 17, 2025 · Amount on Record
Prior Sale	May 3, 1999 · Amount on Record
Deed Document Number	202510139459
Deed Book / Page	3834 / 434
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	650 JOYNER DR, HAVELOCK, NC 28532-9094
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 JOYNER DR, HAVELOCK, NC 28532-9094

Mortgage

Document Number	003718/924
Date	Mar 25, 2022
Book Page	3718/924
Instrument	10094103

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	853 Months
Due	Apr 6, 2093

Interest

Rate Type	Adjustable Rate
Rate	3.61%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.61%

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	$3,315.00 (-12.39%)	$650,120 (-) Land $150,570 Building $499,550	$650,120 (-) Land $150,570 Building $499,550
2025	$3,784.00 (+0.32%)	$650,120 (-12.64%) Land $150,570 Building $499,550	$650,120 (-12.64%) Land $150,570 Building $499,550
2023	$3,772.00 (-2.68%)	$744,160 (+21.91%) Land $150,570 Building $593,590	$744,160 (+21.91%) Land $150,570 Building $593,590
2022	$3,876.00	$610,400 Land $163,350 Building $447,050
2018			$610,400 Land $163,350 Building $447,050

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 183 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	183 in force
Nearby Flood Claims	421 (1996–2019)
Claims Outside the SFHA	24 of 421
Most Recent Claim	Sep 2019 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 132 claims Hurricane Irene, Sep 2011 · 120 claims Hurricane Isabel, Sep 2003 · 82 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 67% of the US · above 89% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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