151 White Oak Bluff Rd, Stella, NC 28582 Property Records

Carteret County property record for 151 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,396 sqft · built 2015
Lot Size	0.568 acres (24,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (May 2020)
Tax Bill	$2,042 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5367.04.60.1366000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.60.1366000`
Alternative APNs	`508767` `50675`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,396 sqft Heated Area
Gross Area	2,466 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Fiber Cement Siding
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,742 sqft (0.568 acres)
Lot Dimensions	208 ft deep x 115 ft wide
Garage Type	Finished
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Pool Area	288 sqft
Porch	Slab
Patio Area	265 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	50675
Street Address	151 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L9 SC WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	60
Legal Lot Number	9
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1018
Census Tract	970801

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	151 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK
May 1, 2020	Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC
Jul 30, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2020 · Amount on Record
Deed Sale	May 1, 2020 · Amount on Record
Prior Sale	Jun 13, 2006 · Amount on Record
Deed Document Number	20201670400
Deed Book / Page	1670 / 400
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	151 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017090434
Date	Feb 25, 2021
Book Page	1709/434
Instrument	1709434

Lender

Name	FIRSTBANK
Type	Bank
Address	37084

Agreement

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

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	May 1, 2020
Property Address	151 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0016700400
Book / Page	1670 / 400
Map Reference	MB 25 PG 75
Instrument Date	Apr 21, 2020
Instrument	1670400
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 WHITE OAK BLUFF RD, STELLA, NC 28582-9707

Mortgage

Document Number	1670401
Date	May 1, 2020
Instrument	1670-401

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	151 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0016460189
Instrument Date	Jul 30, 2019
Transaction Type	Mortgage
Record Updated	Sep 13, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 WHITE OAK BLUFF RD STELLA NC 285829707, STELLA, NC 28582-9707

Mortgage

Document Number	0016460189
Date	Aug 15, 2019
Book Page	001646/000189

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$563,662 (-) Land $79,200 Building $484,462	$563,662 (-) Land $79,200 Building $484,462
2025	$2,042.00 (+11.22%)	$563,662 (+62.59%) Land $79,200 Building $484,462	$563,662 (+62.59%) Land $79,200 Building $484,462
2023		$346,669 Land $66,918 Building $279,751	$346,669 Land $66,918 Building $279,751
2022	$1,836.00

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	12 (1993–2018)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims Hurricane Fran, Sep 1996 · 4 claims Severe Snowfall & Winter Storm, Mar 1993 · 2 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	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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