Carteret County property record for 109 Ocean Bluff Dr, Atlantic Beach, NC 28512
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 7.5 ba · 4,222 sqft · built 2023 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,950,000 (Sep 2026) |
| Tax Bill | $3,584 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Feb 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6334.10.37.5398000 |
| Primary APN | 6334.10.37.5398000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 7.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 4,222 sqft Heated Area |
| Gross Area | 2,424 sqft |
| Utility Area | 25 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 124 ft deep x 78 ft wide |
| Pool Area | 210 sqft |
| Porch | Slab |
| Utility Building | 10 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 28795 |
|---|---|
| Street Address | 109 OCEAN BLUFF DR |
| City | ATLANTIC BEACH |
| State | NC |
| Zip | 28512-0050 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L03 OCEAN BLUFF - INDIAN BEACH FORMER TR 5 ROOSEVELT ESTATE |
| Legal Subdivision | ROOSEVELT ESTATE |
| Legal Tract | 5 |
| Legal Block | 37 |
| Legal Lot Number | 3 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 971003 |
Source: Carteret County records, as of September 23, 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 | Company Name on Record |
|---|---|
| Mailing Address | 10982 NC HIGHWAY 39, MIDDLESEX, NC 27557-8806 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Sep 2, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 15, 2022 | Deed of Trust, Mortgage · Line of Credit PROVIDENCE BANK |
| Dec 20, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2026 · Amount on Record |
| Deed Sale | Sep 2, 2026 · Amount on Record |
| Prior Sale | Dec 20, 2021 · Amount on Record |
| Deed Document Number | 20261895406 |
| Deed Book / Page | 1895 / 406 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Sep 2, 2026 |
| Property Address | 109 OCEAN BLUFF DR, ATLANTIC BEACH, NC 28512-0050 |
| Document Number | 0001895406 |
| Book / Page | 1895 / 406 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 20261895406 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $393,900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 10982 NC HIGHWAY 39, MIDDLESEX, NC 27557-8806 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 109 OCEAN BLUFF DR, INDIAN BEACH, NC 28512-0050 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0017570073 |
|---|---|
| Date | Feb 15, 2022 |
| Book Page | 1757/73 |
| Instrument | 1757073 |
| Name | PROVIDENCE BANK |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27896 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Dec 20, 2021 |
| Property Address | 109 OCEAN BLUFF DR, INDIAN BEACH, NC 28512-0050 |
| Document Number | 0017500440 |
| Book / Page | 1750 / 440 |
| Map Reference | MB 33 PG 165 |
| Instrument Date | Oct 12, 2021 |
| Instrument | 1750440 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $435.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 215 ELM RD, PRINCETON, NJ 08540-2505 |
| Name | Verified Name |
|---|---|
| Address | 209 EOVAL BOGUE AVE, ATLANTIC BEACH, NC 28512 |
Source: Carteret County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Municipality | Indian Beach Town |
| Unified School District | Carteret County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,549,446 (-) Land $252,694 Building $1,296,752 | $1,549,446 (-) Land $252,694 Building $1,296,752 | |
| 2025 | $3,584.00 (+410.54%) | $1,549,446 (+246.44%) Land $252,694 Building $1,296,752 | $1,549,446 (+246.44%) Land $252,694 Building $1,296,752 |
| 2023 | $447,243 Land $210,000 Building $237,243 | $447,243 Land $210,000 Building $237,243 | |
| 2022 | $702.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 150 individual policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 842 units insured incl. 692 condo units |
| Nearby Flood Claims | 39 (1996–2023) |
| Claims Outside the SFHA | 9 of 39 |
| Most Recent Claim | Sep 2023 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BOGUE BANKS WATER CORPORATION private · serves 4,995 people · EPA ID NC0416028 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2020 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 535 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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