709 Cove Harbor, New Bern, NC 28562 Property Records

Craven County property record for 709 Cove Harbor, New Bern, NC 28562

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.548 acres (23,853 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Jul 2026)
Tax Bill	$2,594 (2026)
Deeds & Mortgages	Jul 2026 Sale & Construction Loan Feb 2024 Transfer
Flood Zone	Zone AE (high risk)
APN	`8-204-8-078`

Property Details

APN / Parcel Number

Primary APN	`8-204-8-078`
Alternative APNs	`138562` `92770`

Exterior

Lot Area	23,853 sqft (0.548 acres)

Location & Zoning

Account Number	138562
Street Address	709 COVE HBR
City	NEW BERN
State	NC
Zip	28562-7300
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	NR10A
Legal Description	78 HARBOR ISLAND SCT 5
Legal Subdivision	HARBOR ISLAND
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	1
Census Block	1036
Census Tract	960402

Owner

709 Cove Harbor, residential vacant land, is owned by an individual who bought it in July 2026.

Source: Craven County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	800 MEDICAL PARK AVE, NEW BERN, NC 28562-5074
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Warranty Deed, Transfer · Construction Mortgage BAY BANK TRUST COMPANY
Feb 20, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2026 · Amount on File
Deed Sale	Jul 27, 2026 · Amount on File
Prior Sale	Mar 9, 2005 · Amount on File
Deed Document Number	202610159447
Deed Book / Page	3889 / 1284
Prior Transfer Date	Apr 19, 2012
Prior Transfer Doc	3084/0939
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Jul 27, 2026
Property Address	709 COVE HBR, NEW BERN, NC 28562-7300
Document Number	0010159447
Book / Page	3889 / 1284
Instrument Date	Jul 24, 2026
Instrument	202610159447
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,490.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010159448,
Date	Jul 27, 2026
Instrument	202610159448

Lender

Name	BAY BANK TRUST COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Due	Jul 27, 2026

Interest

Rate	6.52%
Max Rate	-1%

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CRAVEN NC
Recording Date	Feb 20, 2024
Property Address	709 COVE HBR, NEW BERN, NC 28562-7300
Document Number	03789/1365
Book / Page	3789 / 1365
Map Reference	CAB E SL 175
Instrument Date	Jan 24, 2024
Instrument	10122850
Transaction Type	Transfer
Record Updated	Mar 14, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1302 GREENS EDGE CT, CHESAPEAKE, VA 23322-8080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 GREENS EDGE CT, CHESAPEAKE, VA 23322-8080

Tax Assessment & Valuation

The 2026 property tax bill for 709 Cove Harbor was $2,594.

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	$2,594.00	$300,000 (-) Land $300,000	$300,000 (-) Land $300,000
2025		$300,000 Land $300,000	$300,000 Land $300,000
2024	$2,504.00 (+1.21%)
2023	$2,474.00	$300,000 Land $300,000	$300,000 Land $300,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 709 Cove Harbor in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 709 Cove Harbor is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.03% 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 162 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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