188 Oakleaf Dr, Atlantic Beach, NC 28512 Property Records

Carteret County property record for 188 Oakleaf Dr, Atlantic Beach, NC 28512

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,244 sqft · built 1986
Lot Size	0.822 acres (35,806 sqft)
Owner	2 Individuals on Record
Last Sale	$1,150,000 (Dec 2020)
Tax Bill	$4,723 (2025)
Deeds & Mortgages	Jun 2022 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6365.13.04.9044000`

Property Details

APN / Parcel Number

Primary APN	`6365.13.04.9044000`
Alternative APNs	`25032` `28223`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,244 sqft Heated Area
Gross Area	3,564 sqft
1st Floor Area	1,838 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1993
Architectural Style	Split Level
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	35,806 sqft (0.822 acres)
Lot Dimensions	363 ft deep x 101 ft wide

Exterior Amenities

Porch	Slab
Porch Area	209 sqft
Deck Area	50 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	28223
Street Address	188 OAKLEAF DR
City	ATLANTIC BEACH
State	NC
Zip	28512-6606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L5 PINE KNOLL SHORES
Legal Subdivision	PINE KNOLL SHORES
Legal Block	04
Legal Lot Number	5
Jurisdiction	CARTERET NC
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2005
Census Tract	971003

Owner

Source: Carteret County assessment roll, as of November 24, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	108 FLINT POINT LN, HOLLY SPRINGS, NC 27540-6813
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
May 24, 2019	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Dec 21, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Deed Document Number	20201701214
Deed Book / Page	1701 / 214
Prior Transfer Date	Sep 26, 2006
Prior Transfer Doc	0011990332
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	188 OAKLEAF DR, ATLANTIC BEACH, NC 28512-6606
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0017710046
Date	Jun 17, 2022
Book Page	1771/46
Instrument	1771046

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	188 OAKLEAF DR, PINE KNOLL SHORES, NC 28512-6606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016380456
Date	May 24, 2019
Book Page	1638/456
Instrument	1638456

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 3, 2049

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Dec 21, 2020
Property Address	188 OAKLEAF DR, PINE KNOLL SHORES, NC 28512-6606
Document Number	0017010214
Book / Page	001701 / 000214
Instrument Date	Dec 21, 2020
Transaction Type	Transfer
Record Updated	Jan 20, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 FLINT POINT LN HOLLY SPRINGS NC 275406813, HOLLY SPRINGS, NC 27540-6813

Tax Assessment & Valuation

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Pine Knoll Shores Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,723.00 (+79.65%)	$2,055,669 (+159.51%) Land $870,750 Building $1,184,919	$2,055,669 (+159.51%) Land $870,750 Building $1,184,919
2023		$792,148 Land $345,036 Building $447,112	$792,148 Land $345,036 Building $447,112
2022	$2,629.00

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 461 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,290 units insured incl. 829 condo units
Nearby Flood Claims	52 (1999–2024)
Claims Outside the SFHA	16 of 52
Most Recent Claim	Sep 2024 · Potential Tropical Cyclone Eight
Claims by Event	Hurricane Dorian, Sep 2019 · 4 claims Hurricane Florence, Sep 2018 · 37 claims Hurricane Irene, Aug 2011 · 5 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	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 0.01% 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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