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

Carteret County property record for 220 Bell St, Cedar Point, NC 28584

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,579 sqft · built 1975
Lot Size	0.344 acres (14,985 sqft)
Owner	Company Name on Record
Last Sale	$200,000 (Sep 2024)
Tax Bill	$1,574 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5374.18.32.5484000`

Property Details

APN / Parcel Number

Primary APN	`5374.18.32.5484000`
Alternative APNs	`10697` `73182`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,579 sqft Heated Area
Gross Area	1,434 sqft
1st Floor Area	168 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1996
Architectural Style	Cape Cod
Exterior Material	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Deck Area	39 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	73182
Street Address	220 BELL ST
City	CEDAR POINT
State	NC
Zip	28584-8034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART L188 JOHN S JONES
Legal Subdivision	JOHN S JONES
Legal Block	32
Legal Lot Number	188
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 September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 837, SWANSBORO, NC 28584-0837
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Feb 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR
Dec 7, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2024 · Amount on Record
Deed Sale	Sep 5, 2024 · Amount on Record
Deed Document Number	20241836136
Deed Book / Page	1836 / 136
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	220 BELL ST, CEDAR POINT, NC 28584-8034
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CEDAR POINT BLVD, CEDAR POINT, NC 28584-8000

Mortgage

Document Number	0018690206
Date	Oct 21, 2025
Book Page	1869/206
Instrument	1869206

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	220 BELL ST, CEDAR POINT, NC 28584-8034
Document Number	0016010264
Instrument Date	Feb 26, 2018
Transaction Type	Mortgage
Record Updated	Mar 9, 2018
Title Company	BB AND T ML POST CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	220 BELL ST CEDAR POINT NC 285848034, CEDAR POINT, NC 28584-8034

Mortgage

Document Number	0016010264
Date	Mar 2, 2018
Book Page	001601/000264

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2038

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	220 BELL ST, CEDAR POINT, NC 28584-8034
Document Number	0015950204
Book / Page	001595 / 000204
Instrument Date	Dec 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 BELL ST CEDAR POINT NC 285848034, CEDAR POINT, NC 28584-8034

Mortgage

Document Number	0015950204
Date	Dec 15, 2017
Book Page	001595/000204

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$333,662 (-) Land $96,221 Building $237,441	$333,662 (-) Land $96,221 Building $237,441
2025	$1,574.00 (+33.16%)	$333,662 (+67.95%) Land $96,221 Building $237,441	$333,662 (+67.95%) Land $96,221 Building $237,441
2023		$198,673 Land $95,000 Building $103,673	$198,673 Land $95,000 Building $103,673
2022	$1,182.00

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 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.

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