Carteret County property record for 177 White Oak Bluff Rd, Stella, NC 28582
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,438 sqft · built 2015 |
| Lot Size | 0.533 acres (23,217 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Aug 2023) |
| Tax Bill | $1,640 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5367.04.60.2851000 |
| Primary APN | 5367.04.60.2851000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,438 sqft Heated Area |
| Gross Area | 3,046 sqft |
| 1st Floor Area | 2,438 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Foundation Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 23,217 sqft (0.533 acres) |
| Lot Dimensions | 225 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 23666 |
|---|---|
| Street Address | 177 WHITE OAK BLUFF RD |
| City | STELLA |
| State | NC |
| Zip | 28582-9707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L4 S2 WHITE OAK BLUFF |
| Legal Subdivision | WHITE OAK BLUFF |
| Legal Block | 60 |
| Legal Lot Number | 4 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 970801 |
177 White Oak Bluff Rd is owned and occupied by two individuals who bought it in August 2023.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 177 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2023 · Amount on File |
| Deed Sale | Aug 4, 2023 · Amount on File |
| Prior Sale | Oct 16, 2015 · Amount on File |
| Deed Document Number | 20231806005 |
| Deed Book / Page | 1806 / 5 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Aug 4, 2023 |
| Property Address | 177 WHITE OAK BLUFF RD, STELLA, NC 28582-9707 |
| Document Number | 0018060005 |
| Book / Page | 1806 / 5 |
| Map Reference | MB 25 PG 76&76A |
| Instrument Date | May 30, 2023 |
| Instrument | 1806005 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 177 WHITE OAK BLUFF RD, STELLA, NC 28582-9707 |
| Document Number | 0001806006 |
|---|---|
| Date | Aug 4, 2023 |
| Instrument | 1806006 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
The 2025 property tax bill for 177 White Oak Bluff Rd was $1,640.
Source: Carteret County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Unified School District | Carteret County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $447,218 (-) Land $62,053 Building $385,165 | $447,218 (-) Land $62,053 Building $385,165 | |
| 2025 | $1,640.00 | $447,218 Land $62,053 Building $385,165 | $447,218 Land $62,053 Building $385,165 |
| 2023 | $261,882 (-) Land $42,112 Building $219,770 | $261,882 (-) Land $42,112 Building $219,770 | |
| 2022 | $1,429.00 | $261,882 Land $42,112 Building $219,770 | $261,882 Land $42,112 Building $219,770 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 177 White Oak Bluff Rd in Zone X, an area of minimal flood risk, within 500 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 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 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 |
|
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 risk around 177 White Oak Bluff Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 73% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
4G LTE only, no 5G reported
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