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Duplex (2 Units, Any Combination)Residential
Last sold for $255,000 on Feb 9, 2023

103 CHARLES ST

HAVELOCK, NC 28532
2
Beds
2
Baths
1,152 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.45 ac
Lot SizeThe size of the land the home sits on, from county records.
1965
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$255,000 · Feb 9, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,154 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$246,080 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$80,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$166,080
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$246,080
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$246,080

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.15 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.48%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Duplex (2 Units, Any Combination)
StyleThe architectural style of the home, such as ranch or colonial.Duplex Single
CountyCRAVEN
Lot (acres)The size of the land the home sits on, from county records.0.45
ConstructionThe main material the home's frame and walls are built from.Concrete Blocks
RoofThe main material covering the roof, such as asphalt shingle or tile.Roll Composition (rolled Mineral Roof)
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Havelock Elementary SchoolC-
Elementary · Grades PK–5 · 0.5 mi
M
Havelock Middle SchoolC
Middle · Grades 6–8 · 0.5 mi
H
Havelock High SchoolC-
High · Grades 9–12 · 0.8 mi

District: Craven County Schools

Neighborhood · ZIP 28532These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.84
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.20,199
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.111 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,172
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$75,125
Average tempThe average temperature here across a full year.63°F
Annual precipHow much rain and melted snow falls here in a typical year.57 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

103 Charles St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Smaller than 72% of homes in Craven County
  • Older than 85% of homes in Havelock 28532

How it measures up in Havelock 28532

The dot is this home. The mark in the middle is the typical home in Havelock 28532.

Living area1,152 ft²
SmallerTypical 1,325 ft²Bigger

Bigger than 35% of homes nearby

Lot size0.45 ac
SmallerTypical 0.39 acBigger

Bigger than 57% of homes nearby

Year built1965
OlderTypical 1986Newer

Newer than 15% of homes nearby

How 103 Charles St ranks against every home in each area.
MeasureThis homeHavelock 28532Craven County
Living areabigger than1,152 ft²35% of homes28% of homes
Lot sizebigger than0.45 ac57% of homes52% of homes
Year builtnewer than196515% of homes20% of homes

About 103 Charles St

When did 103 Charles St, Havelock, NC last sell?

103 Charles St, Havelock, NC last sold on Feb 9, 2023 for $255,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 103 Charles St, Havelock, NC?

103 Charles St, Havelock, NC has 2 bedrooms, 2 bathrooms, 1,152 square feet of living space and a 0.45-acre lot.

When was 103 Charles St, Havelock, NC built?

103 Charles St, Havelock, NC was built in 1965, making it 61 years old. It is a duplex single home. The building has 1 story.

What schools serve 103 Charles St, Havelock, NC?

103 Charles St, Havelock, NC is assigned to Havelock Elementary School (elementary), rated C-; Havelock Middle School (middle), rated C; Havelock High School (high), rated C-. All sit in Craven County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 103 Charles St, Havelock, NC compare to other homes in Havelock 28532?

Among the 6,786 homes in Havelock 28532, it is bigger than 35% of them (1,152 ft² against a typical 1,325 ft²), its lot is bigger than 57% of them (0.45 ac against a typical 0.39 ac) and it is newer than 15% of them (1965 against a typical 1986). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 103 Charles St, Havelock, NC?

The 2025 property tax bill for 103 Charles St, Havelock, NC was $3,154. The county assessed it at $246,080.

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