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

Carteret County property record for 166 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,417 sqft · built 2004
Lot Size	0.797 acres (34,717 sqft)
Owner	2 Individual Names on File
Last Sale	$534,500 (Nov 2020)
Tax Bill	$2,420 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jan 2019 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`5367.04.60.5105000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.60.5105000`
Alternative APNs	`546527` `22176`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,417 sqft Heated Area
Gross Area	2,418 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Cape Cod
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,717 sqft (0.797 acres)
Lot Dimensions	331 ft deep x 123 ft wide
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	46 sqft
Porch	Slab
Porch Area	187 sqft
Deck Area	63 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	22176
Street Address	166 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L12 SB WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	60
Legal Lot Number	12
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1018
Census Tract	970801

Owner

166 White Oak Bluff Rd is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	166 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
Nov 23, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Jan 10, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Jul 23, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2020 · Amount on File
Deed Sale	Nov 23, 2020 · Amount on File
Prior Sale	Jul 23, 2018 · Amount on File
Deed Document Number	20201697127
Deed Book / Page	1697 / 127
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Nov 23, 2020
Property Address	166 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0016970127
Book / Page	1697 / 127
Map Reference	MB 21 PG 88&88A
Instrument Date	Nov 19, 2020
Instrument	1697127
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	$1,069.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 WHITE OAK BLUFF RD, 166, STELLA, NC 28582-9707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 WHITE OAK BLUFF RD, STELLA, NC 28582-9707

Mortgage

Document Number	1697128
Date	Nov 23, 2020
Instrument	1697-128

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	166 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0016280223
Instrument Date	Jan 10, 2019
Transaction Type	Mortgage
Record Updated	Feb 11, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 WHITE OAK BLUFF RD STELLA NC 285829707, STELLA, NC 28582-9707

Mortgage

Document Number	0016280223
Date	Jan 24, 2019
Book Page	001628/000223

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 23, 2018
Property Address	166 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0016140416
Book / Page	001614 / 000416
Instrument Date	Jul 18, 2018
Transaction Type	Transfer
Record Updated	Aug 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1610 BOARDWALK CIR MORRISTOWN TN 378146491, MORRISTOWN, TN 37814-6491

Mortgage

Document Number	16140417
Date	Jul 23, 2018
Book Page	001614/000417

Lender

Name	MORTGAGE INVTRS
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 166 White Oak Bluff Rd was $2,420.

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		$673,204 (-) Land $314,043 Building $359,161	$673,204 (-) Land $314,043 Building $359,161
2025	$2,420.00	$673,204 Land $314,043 Building $359,161	$673,204 Land $314,043 Building $359,161
2023		$288,050 Land $52,427 Building $235,623	$288,050 Land $52,427 Building $235,623
2022	$1,397.00

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

Flood

FEMA maps place 166 White Oak Bluff Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
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 166 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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