822 Howard St, New Bern, NC 28560 Property Records

Craven County property record for 822 Howard St, New Bern, NC 28560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,228 sqft · built 2010
Lot Size	0.087 acres (3,781 sqft)
Owner	Individual Name on File
Last Sale	$98,500 (Jun 2020)
Tax Bill	$1,276 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Apr 2019 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`8-003-066`

Property Details

APN / Parcel Number

Primary APN	`8-003-066`
Alternative APN	`124567`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,228 sqft Living Area
1st Floor Area	1,228 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,781 sqft (0.087 acres)
Storage Building	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	124567
Street Address	822 HOWARD ST
City	NEW BERN
State	NC
Zip	28560-4033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR8
Legal Description	822 HOWARD ST
Legal Subdivision	HABITAT HUMANITY GREATER NEW B
Jurisdiction	CRAVEN NC
Township / Civil Division	8
Census Block Group	3
Census Block	3003
Census Tract	960900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the New Bern Historic District (Boundary Increase) (Additional Documentation) listed 2003 · 165 contributing resources · NRIS 03000965

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

822 Howard St is owned by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	930 POLLOCK ST, NEW BERN, NC 28562-5676
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
Jun 18, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH CAROLINA HOUSING FINANCE AGEN
Apr 16, 2019	Deed, Transfer
Feb 11, 2019	Quit Claim Deed, Transfer Quitclaim
Mar 12, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage HABITAT FOR HUMANITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2020 · Amount on File
Deed Sale	Jun 18, 2020 · Amount on File
Prior Sale	Mar 12, 2019 · Amount on File
Deed Document Number	202010056202
Deed Book / Page	3617 / 892
Prior Transfer Date	Feb 1, 2019
Prior Transfer Doc	03560/1612
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Jun 18, 2020
Property Address	822 HOWARD ST, NEW BERN, NC 28560-4033
Document Number	003617/892
Book / Page	3617 / 892
Instrument Date	Jun 17, 2020
Instrument	10056202
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$197.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	930 POLLOCK ST, 930, NEW BERN, NC 28562-5676

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 HOWARD ST, NEW BERN, NC 28560-4033

Mortgage

Document Number	0003617901
Date	Jun 18, 2020
Instrument	3617/901

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGEN
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CRAVEN NC
Recording Date	Apr 16, 2019
Property Address	822 HOWARD ST, NEW BERN, NC 28560-4033
Document Number	003567/538
Book / Page	3567 / 538
Instrument Date	Apr 8, 2019
Instrument	10036388
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	930 POLLOCK ST, NEW BERN, NC 28562-5676

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CRAVEN NC
Recording Date	Feb 11, 2019
Property Address	822 HOWARD ST, NEW BERN, NC 28560-4033
Document Number	03560/1612
Book / Page	3560 / 1612
Instrument Date	Feb 1, 2019
Instrument	10033528
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	930 POLLOCK ST, NEW BERN, NC 28562-5676

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Mar 12, 2019
Property Address	822 HOWARD ST, NEW BERN, NC 28560-4033
Document Number	03563/1313
Book / Page	3563 / 1313
Instrument Date	Aug 3, 2018
Instrument	10034837
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 HOWARD ST, NEW BERN, NC 28560-4033

Mortgage

Document Number	03563/1322
Date	Mar 12, 2019
Book Page	3563/1322
Instrument	10034838

Lender

Name	HABITAT FOR HUMANITY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 822 Howard St was $1,276, up 3.4% from the year before.

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	$1,276.00 (+3.4%)	$139,240 (-) Land $10,000 Building $129,240	$139,240 (-) Land $10,000 Building $129,240
2025	$1,234.00	$139,240 Land $10,000 Building $129,240	$139,240 Land $10,000 Building $129,240
2023	$1,208.00 (+14.72%)	$139,240 (+46%) Land $10,000 Building $129,240	$139,240 Land $10,000 Building $129,240
2022	$1,053.00	$95,370 Land $7,500 Building $87,870
2018			$95,370 Land $7,500 Building $87,870

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

Flood

FEMA maps place 822 Howard St 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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 33 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	2 (2011–2018)
Claims Outside the SFHA	2 of 2
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

Wildfire risk around 822 Howard St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 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	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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Metronet.

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