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

Carteret County property record for 154 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,547 sqft · built 1990
Lot Size	0.593 acres (25,831 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Feb 2023)
Tax Bill	$2,987 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`5367.04.50.8099000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.50.8099000`
Alternative APNs	`550522` `557237` `38142`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,547 sqft Heated Area
Gross Area	2,880 sqft
1st Floor Area	488 sqft
Utility Area	60 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,831 sqft (0.593 acres)
Lot Dimensions	256 ft deep x 100 ft wide
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	360 sqft
Deck Area	192 sqft
Patio Area	200 sqft
Utility Building	24 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	38142
Street Address	154 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L6 SB WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	50
Legal Lot Number	6
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1018
Census Tract	970801

Owner

154 White Oak Bluff Rd is owned and occupied by two individuals who bought it in February 2023.

Source: Carteret County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	154 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Occupancy	Owner Occupied
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
Sep 28, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Apr 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 6, 2023	Warranty Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP
Jun 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ALPHA MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2023 · Amount on File
Deed Sale	Feb 6, 2023 · Amount on File
Prior Sale	Sep 16, 2016 · Amount on File
Deed Document Number	20231791085
Deed Book / Page	1791 / 85
Prior Transfer Date	May 26, 2021
Prior Transfer Doc	0017250226
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Recording Date	Sep 28, 2026
Property Address	154 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0001897365
Book / Page	1897 / 365
Instrument Date	Sep 19, 2026
Instrument	20261897365
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	SERVICELINK, SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 WHITE OAK BLUFF RD, STELLA, NC 28582-9707

Mortgage

Document Number	0001897365,
Date	Sep 28, 2026
Book Page	1897/365
Instrument	20261897365

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2066

Interest

Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Recording Date	Apr 29, 2026
Property Address	154 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0001884233
Book / Page	1884 / 233
Instrument Date	Apr 16, 2026
Instrument	20261884233
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 WHITE OAK BLUFF RD, STELLA, NC 28582-9707

Mortgage

Document Number	0001884233,
Date	Apr 29, 2026
Book Page	1884/233
Instrument	20261884233

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Feb 6, 2023
Property Address	154 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0017910085
Book / Page	1791 / 85
Map Reference	MB 21 PG 88&88-A
Instrument Date	Jan 4, 2023
Instrument	1791085
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 WHITE OAK BLUFF RD, STELLA, NC 28582-9707

Mortgage

Document Number	0001791086
Date	Feb 6, 2023
Instrument	1791-086

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARTERET NC
Recording Date	Jun 7, 2021
Property Address	154 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0017250226
Book / Page	1725 / 226
Instrument Date	May 26, 2021
Instrument	1725226
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	154 WHITE OAK BLUFF RD, STELLA, NC 28582-9707

Mortgage

Document Number	0001725227
Date	Jun 7, 2021
Instrument	1725-227

Lender

Name	ALPHA MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 154 White Oak Bluff Rd was $2,987.

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		$837,593 (-) Land $355,348 Building $482,245	$837,593 (-) Land $355,348 Building $482,245
2025	$2,987.00	$837,593 Land $355,348 Building $482,245	$837,593 Land $355,348 Building $482,245
2023		$379,297 Land $151,420 Building $227,877	$379,297 Land $151,420 Building $227,877
2022	$1,992.00

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

Flood

FEMA maps place 154 White Oak Bluff Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 154 White Oak Bluff Rd is moderate, ranking above 43% of the US, with a 0.06% annual chance of 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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