Carteret County property record for 205 Straits Dr, Beaufort, NC 28516
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,460 sqft · built 1997 |
| Lot Size | 0.531 acres (23,130 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $205,000 (Jun 2020) |
| Tax Bill | $1,117 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Mar 2024 Mortgage + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 7336.03.03.5985000 |
| Primary APN | 7336.03.03.5985000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,460 sqft Heated Area |
| Gross Area | 2,040 sqft |
| 1st Floor Area | 1,460 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Foundation Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 23,130 sqft (0.531 acres) |
| Lot Dimensions | 198 ft deep x 101 ft wide |
| View / Lot | Waterfront - Canal |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 34528 |
|---|---|
| Street Address | 205 STRAITS DR |
| City | BEAUFORT |
| State | NC |
| Zip | 28516-9654 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L26 BB S2 HARBOR POINT |
| Legal Subdivision | HARBOR POINT |
| Legal Block | 03 |
| Legal Lot Number | 26 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | STRAITS |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 970103 |
205 Straits Dr is owned and occupied by two individuals who bought it in June 2020.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 205 STRAITS DR, BEAUFORT, NC 28516-9654 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · VA Mortgage INDEPENDENT HOME LOANS |
| Mar 18, 2024 | Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC |
| Apr 12, 2023 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| May 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 12, 2020 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2020 · Amount on File |
| Deed Sale | Jun 12, 2020 · Amount on File |
| Prior Sale | Sep 22, 2004 · Amount on File |
| Deed Document Number | 20201675062 |
| Deed Book / Page | 1675 / 62 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | May 20, 2026 |
| Property Address | 205 STRAITS DR, BEAUFORT, NC 28516-9654 |
| Document Number | 0001886190 |
| Book / Page | 1886 / 190 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 20261886190 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 205 STRAITS DR, BEAUFORT, NC 28516-9654 |
| Document Number | 0001886190, |
|---|---|
| Date | May 20, 2026 |
| Book Page | 1886/190 |
| Instrument | 20261886190 |
| Name | INDEPENDENT HOME LOANS |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 205 STRAITS DR, BEAUFORT, NC 28516-9654 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 205 STRAITS DR, BEAUFORT, NC 28516-9654 |
| Document Number | 0018220220 |
|---|---|
| Date | Mar 18, 2024 |
| Book Page | 1822/220 |
| Instrument | 1822220 |
| Name | INDEPENDENCE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | HIGBEE, MO 65257 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 205 STRAITS DR, BEAUFORT, NC 28516-9654 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2023 |
| Title Company | NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 205 STRAITS DR, BEAUFORT, NC 28516-9654 |
| Document Number | 0017960233 |
|---|---|
| Date | Apr 12, 2023 |
| Book Page | 1796/233 |
| Instrument | 1796233 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 205 STRAITS DR, BEAUFORT, NC 28516-9654 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0017660073 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 1766/73 |
| Instrument | 1766073 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 205 STRAITS DR, BEAUFORT, NC 28516-9654 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0017380028 |
|---|---|
| Date | Sep 10, 2021 |
| Book Page | 1738/28 |
| Instrument | 1738028 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Jun 12, 2020 |
| Property Address | 205 STRAITS DR, BEAUFORT, NC 28516-9654 |
| Document Number | 0016750062 |
| Book / Page | 1675 / 62 |
| Map Reference | MB 16 PG 61 |
| Instrument Date | May 12, 2020 |
| Instrument | 1675062 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18 ANNETTA AVE, 18, NORTHPORT, NY 11768-1802 |
| Name | Verified Name |
|---|---|
| Address | 205 STRAITS DR, BEAUFORT, NC 28516-9654 |
| Document Number | 1675063 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 1675-063 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 205 Straits Dr was $1,117.
Source: Carteret County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Unified School District | Carteret County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $287,102 (-) Land $92,665 Building $194,437 | $287,102 (-) Land $92,665 Building $194,437 | |
| 2025 | $1,117.00 | $287,102 Land $92,665 Building $194,437 | $287,102 Land $92,665 Building $194,437 |
| 2023 | $166,159 Land $47,861 Building $118,298 | $166,159 Land $47,861 Building $118,298 | |
| 2022 | $969.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 205 Straits Dr 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 | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 197 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 197 in force |
| Nearby Flood Claims | 170 (1985–2025) |
| Claims Outside the SFHA | 1 of 170 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| Claims by Event |
|
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 risk around 205 Straits Dr is moderate, ranking above 54% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · above 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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