126 Bell St, Cedar Point (Swansboro), NC 28584 Property Records

Carteret County property record for 126 Bell St, Cedar Point, NC 28584

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,146 sqft · built 1986
Lot Size	0.274 acres (11,935 sqft)
Owner	Individual Name on File
Last Sale	$183,000 (Nov 2019)
Tax Bill	$1,686 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Nov 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5374.14.32.3979000`

Property Details

APN / Parcel Number

Primary APN	`5374.14.32.3979000`
Alternative APNs	`486809` `37054`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,146 sqft Heated Area
Gross Area	1,604 sqft
1st Floor Area	1,098 sqft
Flooring	Vinyl/Resilient
Interior Walls	Paneling

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1989
Architectural Style	Cottage
Exterior Material	Wood
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,935 sqft (0.274 acres)
Lot Dimensions	143 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	306 sqft
Carport	Carport
Carport Area	306 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	37054
Street Address	126 BELL ST
City	CEDAR POINT
State	NC
Zip	28584-8032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART LOT 188 JOHN S JONES
Legal Subdivision	JOHN S JONES
Legal Block	32
Legal Lot Number	188
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	3
Census Block	3072
Census Tract	970806

Owner

126 Bell St is owned by an individual who bought it in November 2019.

Source: Carteret County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1426 MOTES CT, HIGH POINT, NC 27263-9760
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
Oct 27, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 1, 2019	Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO
Sep 1, 2017	Warranty Deed, Transfer · Conventional with PMI HENRY E JR BRANCH
Aug 24, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2019 · Amount on File
Deed Sale	Nov 1, 2019 · Amount on File
Prior Sale	May 12, 2000 · Amount on File
Deed Document Number	20191653444
Deed Book / Page	1653 / 444
Prior Transfer Date	Aug 22, 2017
Prior Transfer Doc	0015850182
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	126 BELL ST, CEDAR POINT, NC 28584-8032
Transaction Type	Mortgage
Record Updated	Nov 12, 2025
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 BELL ST, CEDAR POINT, NC 28584-8032

Mortgage

Document Number	0018690334
Date	Oct 27, 2025
Book Page	1869/334
Instrument	1869334

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Nov 1, 2019
Property Address	126 BELL ST, CEDAR POINT, NC 28584-8032
Document Number	0016530444
Book / Page	1653 / 444
Instrument Date	Oct 31, 2019
Instrument	1653444
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$366.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 BUDS LN, 130, CEDAR POINT, NC 28584-9297

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1426 MOTES CT, HIGH POINT, NC 27263-9760

Mortgage

Document Number	1653445
Date	Nov 1, 2019
Instrument	1653-445

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Sep 1, 2017
Property Address	126 BELL ST, CEDAR POINT, NC 28584-8032
Document Number	0015860158
Book / Page	001586 / 000158
Instrument Date	Sep 1, 2017
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$356.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	130 BUDS LN CEDAR POINT NC 285849297, CEDAR POINT, NC 28584-9297

Mortgage

Document Number	15860159
Date	Sep 1, 2017
Book Page	001586/000159

Lender

Name	HENRY E JR BRANCH
Address	423 ANN ST, CARY, NC 27511-3701
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	60 Months
Due	Aug 31, 2022

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARTERET NC
Recording Date	Aug 24, 2017
Property Address	126 BELL ST, CEDAR POINT, NC 28584-8032
Document Number	0015850182
Book / Page	001585 / 000182
Instrument Date	Aug 22, 2017
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 ANN ST CARY NC 275113701, CARY, NC 27511-3701

Tax Assessment & Valuation

The 2025 property tax bill for 126 Bell St was $1,686.

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Cedar Point Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$359,043 (-) Land $94,487 Building $264,556	$359,043 (-) Land $94,487 Building $264,556
2025	$1,686.00	$359,043 Land $94,487 Building $264,556	$359,043 Land $94,487 Building $264,556
2023		$143,043 Land $81,548 Building $61,495	$143,043 Land $81,548 Building $61,495
2022	$855.00

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

Flood

FEMA maps place 126 Bell St in Zone X, an area of minimal flood risk, though there have been 49 flood claims nearby since 1996.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 213 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	339 units insured incl. 126 condo units
Nearby Flood Claims	49 (1996–2022)
Claims Outside the SFHA	3 of 49
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Florence, Sep 2018 · 37 claims Hurricane Ophelia, Sep 2005 · 5 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

Wildfire risk around 126 Bell 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 99.8% of the US · lower than 99.9% 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	WEST CARTERET WATER CORP private · serves 19,512 people · EPA ID NC0416040
Water Source	Groundwater
Last State Inspection	Jun 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 371 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

May also be available: Brightspeed.

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