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

Carteret County property record for 168 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,673 sqft · built 2021
Lot Size	2.02 acres (88,209 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (May 2020)
Tax Bill	$2,829 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`5367.04.60.6233000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.60.6233000`
Alternative APNs	`80835` `47964`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,673 sqft Heated Area
Gross Area	2,755 sqft
1st Floor Area	435 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	88,209 sqft (2.02 acres)
Lot Dimensions	213 ft deep x 223 ft wide
View / Lot	Waterfront - Canal

Exterior Amenities

Porch	Slab
Patio Area	14 sqft
Shed	1 Shed
Shed Area	168 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	47964
Street Address	168 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L87 S2 WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	60
Legal Lot Number	87
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	214 JUNIUS DR, NEWPORT, NC 28570-9018
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
May 15, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2020 · Amount on Record
Deed Sale	May 15, 2020 · Amount on Record
Deed Document Number	20201672036
Deed Book / Page	1672 / 36
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	168 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	0017250314
Date	Jun 8, 2021
Book Page	1725/314
Instrument	1725314

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	168 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016800314
Date	Jul 27, 2020
Book Page	1680/314
Instrument	1680314

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	May 15, 2020
Property Address	168 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0016720036
Book / Page	001672 / 000036
Instrument Date	May 14, 2020
Transaction Type	Transfer
Record Updated	Jul 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 JUNIUS DR NEWPORT NC 285709018, NEWPORT, NC 28570-9018

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		$791,641 (-) Land $153,716 Building $637,925	$791,641 (-) Land $153,716 Building $637,925
2025	$2,829.00 (+283.33%)	$791,641 (+67.14%) Land $153,716 Building $637,925	$791,641 (+67.14%) Land $153,716 Building $637,925
2023		$473,649 Land $153,883 Building $319,766	$473,649 Land $153,883 Building $319,766
2022	$738.00

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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
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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