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

Carteret County property record for 189 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,520 sqft · built 1998
Lot Size	0.511 acres (22,259 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (May 2006)
Tax Bill	$1,109 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5367.04.61.1397000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.61.1397000`
Alternative APNs	`70417` `47014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,520 sqft Heated Area
Gross Area	2,116 sqft
1st Floor Area	1,430 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,259 sqft (0.511 acres)
Lot Dimensions	227 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	86 sqft
Deck Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	47014
Street Address	189 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L9 S2 WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	61
Legal Lot Number	9
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	Individual Name on Record
Mailing Address	189 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Jul 22, 2020	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Jul 22, 2019	Deed of Trust, Mortgage · VA Mortgage SUN WEST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2006 · Amount on Record
Deed Sale	May 17, 2006 · Amount on Record
Prior Sale	Nov 15, 2004 · Amount on Record
Deed Document Number	20061172062
Deed Book / Page	1172 / 62
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	189 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Transaction Type	Mortgage
Record Updated	Jan 10, 2023
Title Company	WFG LENDER SERVICES REWWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017460422
Date	Nov 17, 2021
Book Page	1746/422
Instrument	1746422

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	RIVERSIDE, CA 92507

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Dec 1, 2045

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	189 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	0016800039
Date	Jul 22, 2020
Book Page	1680/39
Instrument	1680039

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2045

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	189 WHITE OAK BLUFF RD, STELLA, NC 28582-9707
Document Number	0016440306
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	NETCO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	189 WHITE OAK BLUFF RD STELLA NC 285829707, STELLA, NC 28582-9707

Mortgage

Document Number	0016440306
Date	Jul 23, 2019
Book Page	001644/000306

Lender

Name	SUN WEST MTG
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 22, 2044

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		$293,275 (-) Land $61,584 Building $231,691	$293,275 (-) Land $61,584 Building $231,691
2025	$1,109.00 (+46.5%)	$293,275 (+89.65%) Land $61,584 Building $231,691	$293,275 (+89.65%) Land $61,584 Building $231,691
2023		$154,644 Land $42,150 Building $112,494	$154,644 Land $42,150 Building $112,494
2022	$757.00

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 43 locations within half a mile, as of December 31, 2025

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

May also be available: Brightspeed.

Cell Coverage

4G LTE only, no 5G reported

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