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Single Family ResidenceResidential
$159,675$149 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

109 GRAY RD

HAVELOCK, NC 28532
3
Beds
1
Baths
1,074 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.
0.59 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$160K
$136K low$183K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$596 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$108,490 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$93,490
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$108,490
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$108,490

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.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.26%
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.Single Family Residence
CountyCRAVEN
Lot (acres)The size of the land the home sits on, from county records.0.59
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Masonry (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

E
W. Jesse Gurganus Elementary SchoolA
Elementary · Grades KG–5 · 2.1 mi
H
Havelock High SchoolC+
High · Grades 9–12 · 2.1 mi
M
Tucker Creek Middle SchoolA-
Middle · Grades 6–8 · 3.3 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

109 Gray Rd 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.

  • Worth less than 89% of homes in Havelock 28532
  • Costs less per square foot than 83% of homes in Havelock 28532
  • Smaller than 78% of homes in Craven County
  • Has a bigger lot than 75% of homes in Havelock 28532
  • Older than 92% of homes in Havelock 28532

What homes are worth in Havelock 28532

Each bar is how many homes fall in that price range. The marker is this home.

This home
$111K$530K

This home is worth more than 11% 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.

Estimated value$159,675
CheaperTypical $240,730Pricier

Pricier than 11% of homes nearby

Price per ft²$149
CheaperTypical $183Pricier

Pricier than 17% of homes nearby

Living area1,074 ft²
SmallerTypical 1,325 ft²Bigger

Bigger than 27% of homes nearby

Lot size0.59 ac
SmallerTypical 0.39 acBigger

Bigger than 75% of homes nearby

Year built1959
OlderTypical 1986Newer

Newer than 8% of homes nearby

How 109 Gray Rd ranks against every home in each area.
MeasureThis homeHavelock 28532Craven County
Estimated valuepricier than$159,67511% of homes13% of homes
Price per ft²pricier than$14917% of homes20% of homes
Living areabigger than1,074 ft²27% of homes22% of homes
Lot sizebigger than0.59 ac75% of homes69% of homes
Year builtnewer than19598% of homes14% of homes

About 109 Gray Rd

How much is 109 Gray Rd, Havelock, NC worth?

The TopHap Estimate for 109 Gray Rd, Havelock, NC is $159,675 as of Sep 24, 2026. The likely range is $136,053 to $183,297. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Gray Rd, Havelock, NC last sell?

109 Gray Rd, Havelock, NC last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 109 Gray Rd, Havelock, NC?

109 Gray Rd, Havelock, NC has 3 bedrooms, 1 bathrooms, 1,074 square feet of living space and a 0.59-acre lot.

When was 109 Gray Rd, Havelock, NC built?

109 Gray Rd, Havelock, NC was built in 1959, making it 67 years old. The building has 1 story.

What schools serve 109 Gray Rd, Havelock, NC?

109 Gray Rd, Havelock, NC is assigned to W. Jesse Gurganus Elementary School (elementary), rated A; Havelock High School (high), rated C+; Tucker Creek Middle School (middle), rated A-. All sit in Craven County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Gray Rd, Havelock, NC compare to other homes in Havelock 28532?

Among the 6,847 homes in Havelock 28532, it is worth more than 11% of them ($159,675 against a typical $240,730), its price per square foot is higher than 17% of them ($149 against a typical $183), it is bigger than 27% of them (1,074 ft² against a typical 1,325 ft²), its lot is bigger than 75% of them (0.59 ac against a typical 0.39 ac) and it is newer than 8% of them (1959 against a typical 1986). Measured against all of Craven County, it is worth more than 13% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Gray Rd, Havelock, NC?

The 2026 property tax bill for 109 Gray Rd, Havelock, NC was $596. The county assessed it at $108,490.

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