703 Cove Harbor, New Bern, NC 28562 Property Records

Craven County property record for 703 Cove Harbor, New Bern, NC 28562

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,713 sqft · built 2003
Lot Size	0.562 acres (24,484 sqft)
Owner	Individual Name on Record
Tax Bill	$6,154 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`8-204-8-081`

Property Details

APN / Parcel Number

Primary APN	`8-204-8-081`
Alternative APN	`44475`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,713 sqft Living Area
1st Floor Area	3,013 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2003
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	24,484 sqft (0.562 acres)
Garage Type	Attached
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	44475
Old Parcel Number	8-204-8-081
Street Address	703 COVE HBR
City	NEW BERN
State	NC
Zip	28562-7300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	81 HARBOR ISLAND SCT 5
Legal Subdivision	OLDE TOWNE SEC V
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	1
Census Block	1036
Census Tract	960402

Owner

Source: Craven County records, as of October 20, 2025

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	703 COVE HBR, NEW BERN, NC 28562-7300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2001
Deed Sale	Nov 27, 2001
Deed Document Number	0001867982
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	703 COVE HBR, NEW BERN, NC 28562-7300
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3660/1369
Date	Mar 22, 2021
Book Page	3660/1369
Instrument	10072064

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

Source: Craven County assessment roll, as of January 1, 2025

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
2025	$6,154.00 (+1.38%)	$728,670 (-) Land $300,000 Building $428,670	$728,670 (-) Land $300,000 Building $428,670
2023	$6,070.00 (-4.56%)	$728,670 (+20.53%) Land $300,000 Building $428,670	$728,670 (+20.53%) Land $300,000 Building $428,670
2022	$6,360.00	$604,530 Land $275,000 Building $329,530
2018			$604,530 Land $275,000 Building $329,530

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 180 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	180 in force
Nearby Flood Claims	232 (1996–2018)
Claims Outside the SFHA	17 of 232
Most Recent Claim	Oct 2018 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 154 claims Hurricane Irene, Aug 2011 · 40 claims Hurricane Fran, Sep 1996 · 20 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	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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	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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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