971 Howells Rd, Grantsboro, NC 28529 Property Records

Pamlico County property record for 971 Howells Rd, Grantsboro, NC 28529

Property Summary

Property Type	Other Improved
Details	1,960 sqft
Lot Size	1.25 acres (54,624 sqft)
Owner	2 Individual Names on Record
Last Sale	$770,000 (Apr 2024)
Tax Bill	$326 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`E08-82-4`

Property Details

APN / Parcel Number

Primary APN	`E08-82-4`
Alternative APNs	`6437819965000` `33131` `34550`

Interior

Stories	1 Story
Building Area	1,960 sqft Building Perimeter

Exterior

Architectural Style	Mobile Home
Roof Material	Composition Shingle
Lot Area	54,624 sqft (1.25 acres)

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Account Number	34550
Street Address	971 HOWELLS RD
City	GRANTSBORO
State	NC
Zip	28529-9663
Property Category	Other
Property Type	Other > Other Improved
Legal Description	SEC 2 LOT 4 BAIRDS SHORE 0000 00 X 00 0005006 6437819965000
Legal Subdivision	11-52
Legal Lot Number	4
Jurisdiction	PAMLICO NC
Township / Civil Division	5
Census Block Group	2
Census Block	2009
Census Tract	950204

Owner

Source: Pamlico County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1002 HOWELLS RD, GRANTSBORO, NC 28529-9659
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2024 · Amount on Record
Deed Sale	Apr 17, 2024 · Amount on Record
Prior Sale	Feb 5, 2010 · Amount on Record
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	971 HOWELLS RD, GRANTSBORO, NC 28529-9663
Transaction Type	Mortgage
Record Updated	Jul 18, 2022
Title Company	MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000701/441
Date	Jun 30, 2022
Book Page	701/441

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	6.25%
Index	5-Year CMT
Margin	2
Max Rate	9.25%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	971 HOWELLS RD, GRANTSBORO, NC 28529-9663
Transaction Type	Mortgage
Record Updated	Jul 18, 2022
Title Company	MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000701/455
Date	Jun 30, 2022
Book Page	701/455

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	971 HOWELLS RD, GRANTSBORO, NC 28529-9663
Transaction Type	Mortgage
Record Updated	Jun 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	682/226
Date	Jun 8, 2021
Book Page	682/226

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Pamlico County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Pamlico County
Unified School District	Pamlico County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$326.00 (+3.16%)	$46,925 (-) Land $46,752 Building $173	$46,925 (-) Land $46,752 Building $173
2023	$316.00	$46,925 Land $46,752 Building $173	$46,925 Land $46,752 Building $173

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 10, 2021 · 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 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	9 (1999–2018)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 6 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 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.08% 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	PAMLICO COUNTY WATER serves 19,665 people · EPA ID NC0469025
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	10 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

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

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