Carteret County property record for 199 Waters Ln, Gloucester, NC 28528 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,200 sqft · built 1954 |
| Lot Size | 0.514 acres (22,390 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $359,500 (Dec 2022) |
| Tax Bill | $1,893 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 7346.03.02.0916000 |
| Primary APN | 7346.03.02.0916000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,200 sqft Heated Area |
| Gross Area | 1,900 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 22,390 sqft (0.514 acres) |
| Lot Dimensions | 223 ft deep x 100 ft wide |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 540 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 9 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Canopy | 336 sqft |
| Gazebo | 1 sqft |
| Utility Building | 40 sqft |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 23644 |
|---|---|
| Street Address | 199 WATERS LN |
| City | GLOUCESTER |
| State | NC |
| Zip | 28528-9381 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L4 OFF SR 1343 GLOUCESTER |
| Legal Subdivision | CHARLES G NELSON |
| Legal Block | 02 |
| Legal Lot Number | 4 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | STRAITS |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 970103 |
Source: Carteret County records · APN 7346.03.02.0916000
Assessment roll updated November 24, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 199 WATERS LN, GLOUCESTER, NC 28528-9381 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 01, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Dec 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 29, 2022 · Amount on Record |
| Deed Sale | Dec 29, 2022 · Amount on Record |
| Prior Sale | Mar 11, 2020 · Amount on Record |
| Deed Document Number | 20221788210 |
| Deed Book / Page | 1788 / 210 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 199 WATERS LN, GLOUCESTER, NC 28528 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Title Company | SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY |
| Name | Verified Name |
|---|
| Document Number | 0018050339 |
|---|---|
| Date | Aug 01, 2023 |
| Book Page | 1805/339 |
| Instrument | 1805339 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 01, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Dec 29, 2022 |
| Property Address | 199 WATERS LN, GLOUCESTER, NC 28528 |
| Document Number | 0001780210 |
| Book / Page | 178 / 210 |
| Map Reference | MB 33 PG 919 |
| Instrument Date | Dec 21, 2022 |
| Instrument | 1788210 |
| Transaction Type | Transfer |
| Record Updated | Jan 06, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $719.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1321 WARF RD, LEXINGTON, NC 27292-1931 |
| Name | Verified Name |
|---|---|
| Address | 199 WATERWAY DR, LEXINGTON, NC 27292-7846 |
| Document Number | 0000178211 |
|---|---|
| Date | Dec 29, 2022 |
| Instrument | 178-211 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 01, 2038 |
Source: Carteret County records · Assessment roll updated November 24, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Unified School District | Carteret County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,893.00 (+8.23%) | $565,433 (+75.6%) Land $227,707 Building $337,726 | $565,433 (+75.6%) Land $227,707 Building $337,726 |
| 2023 | $322,008 Land $188,496 Building $133,512 | $322,008 Land $188,496 Building $133,512 | |
| 2022 | $1,749.00 |
Source: FEMA National Flood Hazard Layer, Carteret County (37031C), updated January 17, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | High above 75% of the US · above 95% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 441 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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