212 Bell St, Cedar Point (Swansboro), NC 28584 Property Records

Carteret County property record for 212 Bell St, Cedar Point, NC 28584

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,642 sqft · built 1971
Lot Size	0.347 acres (15,115 sqft)
Owner	2 Individual Names on Record
Last Sale	$156,000 (Apr 2005)
Tax Bill	$2,207 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5374.14.32.5612000`

Property Details

APN / Parcel Number

Primary APN	`5374.14.32.5612000`
Alternative APNs	`32593` `48168`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,642 sqft Heated Area
Gross Area	3,760 sqft
1st Floor Area	1,642 sqft
Flooring	Ceramic Tile
Interior Walls	Paneling

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	15,115 sqft (0.347 acres)
Lot Dimensions	154 ft deep x 101 ft wide
Garage Type	Mixed
Garage Area	404 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	244 sqft
Deck Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	48168
Street Address	212 BELL ST
City	CEDAR POINT
State	NC
Zip	28584-8034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L2 DON HURST GRADY
Legal Subdivision	JOHN S JONES
Legal Block	32
Legal Lot Number	2
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	3
Census Block	3072
Census Tract	970806

Owner

Source: Carteret County records, as of October 20, 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 Record
Mailing Address	212 BELL ST, CEDAR POINT, NC 28584-8034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Deed of Trust, Mortgage · Line of Credit BAY BANK TRUST COMPANY
Mar 18, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jan 13, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2005 · Amount on Record
Deed Sale	Apr 1, 2005 · Amount on Record
Prior Sale	Aug 26, 2002 · Amount on Record
Deed Document Number	20051104135
Deed Book / Page	1104 / 135
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Recording Date	Oct 8, 2026
Property Address	212 BELL ST, CEDAR POINT, NC 28584-8034
Document Number	0001898303
Book / Page	1898 / 303
Instrument Date	Sep 25, 2026
Instrument	20261898303
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 BELL ST, CEDAR POINT, NC 28584-8034

Mortgage

Document Number	0001898303,
Date	Oct 8, 2026
Book Page	1898/303
Instrument	20261898303

Lender

Name	BAY BANK TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	212 BELL ST, CEDAR POINT, NC 28584-8034
Transaction Type	Mortgage
Record Updated	Mar 29, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 BELL ST, CEDAR POINT, NC 28584-8034

Mortgage

Document Number	0017600405
Date	Mar 18, 2022
Book Page	1760/405
Instrument	1760405

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	212 BELL ST, CEDAR POINT, NC 28584-8034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017030448
Date	Jan 13, 2021
Book Page	1703/448
Instrument	1703448

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Cedar Point Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$476,688 (-) Land $96,349 Building $380,339	$476,688 (-) Land $96,349 Building $380,339
2025	$2,207.00 (+49.73%)	$476,688 (+91.93%) Land $96,349 Building $380,339	$476,688 (+91.93%) Land $96,349 Building $380,339
2023		$248,365 Land $97,389 Building $150,976	$248,365 Land $97,389 Building $150,976
2022	$1,474.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 213 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	339 units insured incl. 126 condo units
Nearby Flood Claims	49 (1996–2022)
Claims Outside the SFHA	3 of 49
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Florence, Sep 2018 · 37 claims Hurricane Ophelia, Sep 2005 · 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 99.8% of the US · lower than 99.9% 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.

Drinking Water

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

Water System	WEST CARTERET WATER CORP private · serves 19,512 people · EPA ID NC0416040
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026–2028) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 371 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

Nearby Properties on Bell St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures