7860 NC Highway 55 W, Dover, NC 28526 Property Records

Craven County property record for 7860 NC Highway 55 W, Dover, NC 28526

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 3 ba · 2,248 sqft · built 2017
Lot Size	1.47 acres (64,295 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,603 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3-022-21000`

Property Details

APN / Parcel Number

Primary APN	`3-022-21000`
Alternative APN	`111624`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,248 sqft Living Area
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	64,295 sqft (1.47 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	111624
Street Address	7860 NC HIGHWAY 55 W
City	DOVER
State	NC
Zip	28526-9068
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	TRACT 1 SURVEY FOR MICHAEL L & JESSIE L COWARD - 3
Legal Tract	1
Jurisdiction	CRAVEN NC
Township / Civil Division	3
Census Block Group	1
Census Block	1024
Census Tract	960302

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	2 Individual Names on Record
Mailing Address	7860 NC HIGHWAY 55 W, DOVER, NC 28526-9068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Sep 22, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	7860 NC HIGHWAY 55 W, DOVER, NC 28526-9068
Transaction Type	Mortgage
Record Updated	Dec 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03512/2002
Date	Sep 6, 2017
Book Page	3512/2002

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	9.25%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	7860 NC HIGHWAY 55 W, DOVER, NC 28526-9068
Transaction Type	Mortgage
Record Updated	Dec 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03514/1089
Date	Sep 22, 2017
Book Page	3514/1089

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	NEW BERN, NC 28561

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,603.00	$294,700 (-) Land $21,360 Building $273,340	$294,700 (-) Land $21,360 Building $273,340
2025	$1,603.00 (+2.62%)	$294,700 (-) Land $21,360 Building $273,340	$294,700 (-) Land $21,360 Building $273,340
2023	$1,562.00 (+5.68%)	$294,700 (+35.03%) Land $21,360 Building $273,340	$294,700 (+35.03%) Land $21,360 Building $273,340
2022	$1,478.00	$218,240 Land $21,360 Building $196,880
2018			$218,240 Land $21,360 Building $196,880

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · Hurricane Florence

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on NC Highway 55 W

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures