127 Railway Ln, Gloucester, NC 28528 Property Records

Carteret County property record for 127 Railway Ln, Gloucester, NC 28528

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,260 sqft · built 1910
Lot Size	0.998 acres (43,473 sqft)
Owner	Individual Name on Record
Tax Bill	$765 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`7346.03.14.7033000`

Property Details

APN / Parcel Number

Primary APN	`7346.03.14.7033000`
Alternative APNs	`550161` `49348`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,260 sqft Heated Area
Gross Area	1,056 sqft
1st Floor Area	360 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,473 sqft (0.998 acres)
Lot Dimensions	180 ft deep x 246 ft wide
View / Lot	Waterfront - Canal
Deck Area	24 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	49348
Street Address	127 RAILWAY LN
City	GLOUCESTER
State	NC
Zip	28528-9377
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT OFF SR 1345 GLOUCESTER.
Legal Subdivision	WESLEY J CHESSMAN & DAWN M MAT
Legal Block	14
Jurisdiction	CARTERET NC
Township / Civil Division	STRAITS
Census Block Group	3
Census Block	3026
Census Tract	970103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	127 RAILWAY LN, GLOUCESTER, NC 28528-9377
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
May 12, 2021	Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Apr 13, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026
Deed Sale	Jun 29, 2026
Prior Sale	Dec 30, 2003 · Amount on Record
Deed Document Number	20261889425
Deed Book / Page	1889 / 425
Prior Transfer Date	Jun 23, 2026
Prior Transfer Doc	0001889425
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARTERET NC
Recording Date	Jun 29, 2026
Property Address	127 RAILWAY LN, GLOUCESTER, NC 28528-9377
Document Number	0001889425
Book / Page	1889 / 425
Instrument Date	Jun 23, 2026
Instrument	20261889425
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 RAILWAY LN, GLOUCESTER, NC 28528-9377

Mortgage

Document Number	0001889426,
Date	Jun 29, 2026
Instrument	20261889426

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTERET NC
Recording Date	May 12, 2021
Property Address	127 RAILWAY LN, GLOUCESTER, NC 28528-9377
Document Number	0017210450
Book / Page	1721 / 450
Instrument Date	May 11, 2021
Instrument	1721450
Transaction Type	Transfer
Record Updated	May 26, 2021

Transaction

Amount	Amount Recorded
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	119 RAILWAY LN, 119, GLOUCESTER, NC 28528-9377

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 RAILWAY LN, GLOUCESTER, NC 28528-9377

Mortgage

Document Number	1721451
Date	May 12, 2021
Instrument	1721-451

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 5, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARTERET NC
Recording Date	Apr 13, 2021
Property Address	127 RAILWAY LN, GLOUCESTER, NC 28528-9377
Document Number	0017170091
Book / Page	1717 / 91
Instrument Date	Apr 9, 2021
Instrument	1717091
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 RAILWAY LN, GLOUCESTER, NC 28528-9377

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$193,371 (-) Land $94,452 Building $98,919	$193,371 (-) Land $94,452 Building $98,919
2025	$765.00 (-19.47%)	$193,371 (-1.14%) Land $94,452 Building $98,919	$193,371 (-1.14%) Land $94,452 Building $98,919
2023		$195,600 Land $147,600 Building $48,000	$195,600 Land $147,600 Building $48,000
2022	$950.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · 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	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 234 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	234 in force
Nearby Flood Claims	349 (1981–2025)
Claims Outside the SFHA	2 of 349
Most Recent Claim	Oct 2025 · tidal / storm surge
Claims by Event	Hurricane Florence, Sep 2018 · 138 claims Hurricane Irene, Aug 2011 · 59 claims Hurricane Isabel, Sep 2003 · 97 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	High above 75% of the US · above 95% of North Carolina
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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