135 Ocean Bluff Dr, Atlantic Beach, NC 28512 Property Records

Carteret County property record for 135 Ocean Bluff Dr, Atlantic Beach, NC 28512

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,956 sqft · built 2024
Lot Size	0.407 acres (17,729 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Dec 2016)
Tax Bill	$6,413 (2025)
Deeds & Mortgages	Apr 2023 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`6334.10.37.3067000`

Property Details

APN / Parcel Number

Primary APN	`6334.10.37.3067000`
Alternative APNs	`456057` `49471`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	4,956 sqft Heated Area
Gross Area	7,512 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Fiber Cement Siding
Foundation Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,729 sqft (0.407 acres)
Lot Dimensions	283 ft deep x 63 ft wide
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	49471
Street Address	135 OCEAN BLUFF DR
City	ATLANTIC BEACH
State	NC
Zip	28512-0050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L09 OCEAN BLUFF - INDIAN BEACH FORMER TR 5 ROOSEVELT ESTATE
Legal Subdivision	ROOSEVELT ESTATE
Legal Tract	5
Legal Block	37
Legal Lot Number	9
Jurisdiction	CARTERET NC
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1021
Census Tract	971003

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	2 Individual Names on Record
Mailing Address	1204 GRANGERFORD CT, DURHAM, NC 27703-0666
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2016 · Amount on Record
Deed Sale	Dec 1, 2016 · Amount on Record
Prior Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	20161560403
Deed Book / Page	1560 / 403
Prior Transfer Date	Nov 21, 2016
Prior Transfer Doc	0015600402
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	135 OCEAN BLUFF DR, ATLANTIC BEACH, NC 28512-0050
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 GRANGERFORD CT, DURHAM, NC 27703-0666
Investor	Possibly a Property Investor

Mortgage

Document Number	0017960033
Date	Apr 6, 2023
Book Page	1796/33
Instrument	1796033

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	Other
Margin	3
Max Rate	11.1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,335,203 (+18.82%) Land $1,266,108 Building $2,069,095	$3,335,203 (+18.82%) Land $1,266,108 Building $2,069,095
2025	$6,413.00 (+221.29%)	$2,806,839 (+363.94%) Land $1,266,108 Building $1,540,731	$2,806,839 (+363.94%) Land $1,266,108 Building $1,540,731
2023		$605,000 Land $605,000	$605,000 Land $605,000
2022	$1,996.00

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 X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 100 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	Hurricane Florence, Sep 2018 · 25 claims Hurricane Irene, Aug 2011 · 8 claims Hurricane Ophelia, Sep 2005 · 3 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 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