203 Oakleaf Dr, Atlantic Beach, NC 28512 Property Records

Carteret County property record for 203 Oakleaf Dr, Atlantic Beach, NC 28512

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,170 sqft · built 1974
Lot Size	0.298 acres (12,981 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Aug 2005)
Tax Bill	$1,237 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6365.13.03.1769000`

Property Details

APN / Parcel Number

Primary APN	`6365.13.03.1769000`
Alternative APNs	`58791` `41674`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,170 sqft Heated Area
Gross Area	1,516 sqft
Utility Area	72 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,981 sqft (0.298 acres)
Lot Dimensions	124 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	384 sqft

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	24 sqft
Utility Building	29 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	41674
Street Address	203 OAKLEAF DR
City	ATLANTIC BEACH
State	NC
Zip	28512-6401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L34 BJJ PINE KNOLL SHORES
Legal Subdivision	PINE KNOLL SHORES EXTENSION
Legal Block	03
Legal Lot Number	34
Jurisdiction	CARTERET NC
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2036
Census Tract	971003

Owner

203 Oakleaf Dr is owned and occupied by an individual who bought it in August 2005.

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

Owner of Record	Individual Name on File
Mailing Address	203 OAKLEAF DR, ATLANTIC BEACH, NC 28512-6401
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
Aug 24, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Mar 3, 2026	Deed of Trust, Mortgage · Line of Credit CIVIC FCU
Jan 28, 2022	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2005 · Amount on File
Deed Sale	Aug 19, 2005 · Amount on File
Prior Sale	Dec 21, 1998 · Amount on File
Deed Document Number	20051128096
Deed Book / Page	1128 / 96
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Recording Date	Aug 24, 2026
Property Address	203 OAKLEAF DR, ATLANTIC BEACH, NC 28512-6401
Document Number	0001894484
Book / Page	1894 / 484
Instrument Date	Aug 18, 2026
Instrument	20261894484
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 OAKLEAF DR, ATLANTIC BEACH, NC 28512-6401

Mortgage

Document Number	0001894484,
Date	Aug 24, 2026
Book Page	1894/484
Instrument	20261894484

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	203 OAKLEAF DR, ATLANTIC BEACH, NC 28512-6401
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018790320
Date	Mar 3, 2026
Book Page	1879/320
Instrument	1879320

Lender

Name	CIVIC FCU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 2, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jan 28, 2022
Property Address	203 OAKLEAF DR, PINE KNOLL SHORES, NC 28512-6401
Document Number	0017550064
Book / Page	1755 / 64
Map Reference	MB 7 PG 18
Instrument Date	Jan 13, 2022
Instrument	1755064
Transaction Type	Transfer
Record Updated	Apr 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1200 GREENWAY DR, 1200, HIGH POINT, NC 27262-2826

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 OAKLEAF DR, ATLANTIC BEACH, NC 28512-6401

Mortgage

Document Number	0001755065
Date	Jan 28, 2022
Instrument	1755-065

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

Tax Assessment & Valuation

The 2025 property tax bill for 203 Oakleaf Dr was $1,237.

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
2026		$506,221 (-) Land $235,520 Building $270,701	$506,221 (-) Land $235,520 Building $270,701
2025	$1,237.00	$506,221 Land $235,520 Building $270,701	$506,221 Land $235,520 Building $270,701
2023		$224,417 Land $110,400 Building $114,017	$224,417 Land $110,400 Building $114,017
2022	$755.00

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

Flood

FEMA maps place 203 Oakleaf Dr 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 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

Wildfire risk around 203 Oakleaf Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PINE KNOLL SHORES private · serves 4,800 people · EPA ID NC0416031
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 266 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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