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

Carteret County property record for 182 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,472 sqft · built 2014
Lot Size	0.722 acres (31,450 sqft)
Owner	2 Individual Names on File
Last Sale	$685,000 (Jan 2023)
Tax Bill	$2,390 (2025)
Deeds & Mortgages	Jan 2023 Sale May 2022 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`5367.04.61.5046000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.61.5046000`
Alternative APNs	`533585` `557177` `52190`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,472 sqft Heated Area
Gross Area	3,110 sqft
1st Floor Area	2,252 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,450 sqft (0.722 acres)
Lot Dimensions	244 ft deep x 116 ft wide
View / Lot	Waterfront - Canal
Porch	Slab
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	52190
Street Address	182 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L80 S2 WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	61
Legal Lot Number	80
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1018
Census Tract	970801

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	182 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
Jan 31, 2023	Warranty Deed, Transfer
May 31, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 7, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2023 · Amount on File
Deed Sale	Jan 31, 2023 · Amount on File
Prior Sale	Jan 7, 2021 · Amount on File
Deed Document Number	20231790366
Deed Book / Page	1790 / 366
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jan 31, 2023
Property Address	182 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0017900366
Book / Page	1790 / 366
Map Reference	MB 25 PG 76&76A
Instrument Date	Jan 13, 2023
Instrument	1790366
Transaction Type	Transfer
Record Updated	Feb 9, 2023

Transaction

Amount	Amount on Record
Tax	$1,370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 WHITE OAK BLUFF RD, STELLA, NC 28582-9707

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	182 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	0017690063
Date	May 31, 2022
Book Page	1769/63
Instrument	1769063

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	NEW BERN, NC 28564

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jan 7, 2021
Property Address	182 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0017030124
Book / Page	1703 / 124
Map Reference	MB 25 PG 76&76A8Y
Instrument Date	Sep 15, 2020
Instrument	1703124
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	$1,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 COUNTY ROAD 519, 122, BELVIDERE, NJ 07823-2838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 WHITE OAK BLUFF RD, STELLA, NC 28582-9707

Mortgage

Document Number	1703125
Date	Jan 7, 2021
Instrument	1703-125

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	5-Year CMT
Margin	2
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 182 White Oak Bluff Rd was $2,390.

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		$664,492 (-) Land $154,603 Building $509,889	$664,492 (-) Land $154,603 Building $509,889
2025	$2,390.00	$664,492 Land $154,603 Building $509,889	$664,492 Land $154,603 Building $509,889
2023		$382,585 Land $135,173 Building $247,412	$382,585 Land $135,173 Building $247,412
2022	$2,008.00

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

Flood

FEMA maps place 182 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 182 White Oak Bluff Rd is moderate, ranking above 59% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · above 81% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

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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