221 Hill St, Cedar Point (Swansboro), NC 28584 Property Records

Carteret County property record for 221 Hill St, Cedar Point, NC 28584

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,184 sqft · built 2023
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,266 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`5374.18.21.7600000`

Property Details

APN / Parcel Number

Primary APN	`5374.18.21.7600000`
Alternative APNs	`553083` `22011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,184 sqft Heated Area
Gross Area	1,347 sqft
1st Floor Area	846 sqft
Utility Area	35 sqft
Flooring	Vinyl/Resilient
Interior Walls	Paneling

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Modular
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,344 sqft (0.49 acres)
Lot Dimensions	209 ft deep x 89 ft wide
View / Lot	Waterfront - Canal

Exterior Amenities

Porch	Slab
Porch Area	431 sqft
Deck Area	134 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	22011
Street Address	221 HILL ST
City	CEDAR POINT
State	NC
Zip	28584-8030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L72 73 JOHN JONES SD
Legal Subdivision	JOHN S JONES
Legal Block	21
Legal Lot Number	72-73
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	3
Census Block	3072
Census Tract	970806

Owner

221 Hill St is owner-occupied and held in a trust since December 2005.

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

Owner of Record	2 Trust Names on File
Mailing Address	221 HILL ST, CEDAR POINT, NC 28584-8030
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Dec 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Dec 28, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Dec 15, 2021	Warranty Deed, Transfer
Mar 20, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2002
Deed Sale	Jul 12, 2002
Prior Sale	Jun 19, 2002
Deed Book / Page	947 / 632
Last Transfer Date	Dec 29, 2005
Transfer Doc	0011500271
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	221 HILL ST, CEDAR POINT, NC 28584-8030
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017880118
Date	Dec 28, 2022
Book Page	1788/118
Instrument	1788118

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2054

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	221 HILL ST, CEDAR POINT, NC 28584-8030
Transaction Type	Mortgage
Record Updated	Nov 24, 2025
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018160378
Date	Dec 28, 2023
Book Page	1816/378
Instrument	1816378

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	NEW BERN, NC 28562

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 6, 2043

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Dec 15, 2021
Property Address	221 HILL ST, CEDAR POINT, NC 28584-8030
Document Number	0017500176
Book / Page	1750 / 176
Map Reference	MB 1 PG 113
Instrument Date	Jun 23, 2021
Instrument	1750176
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount on Record
Tax	$1.00
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	907 RUNAWAY BAY, TRENT WOODS, NC 28562-8358

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARTERET NC
Recording Date	Mar 20, 2017
Property Address	221 HILL ST, CEDAR POINT, NC 28584-8030
Document Number	0015700192
Book / Page	001570 / 000192
Instrument Date	Mar 1, 2017
Transaction Type	Transfer
Record Updated	Mar 27, 2017

Transaction

Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 TRENT SHORES DR TRENT WOODS NC 285627741, TRENT WOODS, NC 28562-7741

Tax Assessment & Valuation

The 2025 property tax bill for 221 Hill St was $4,266.

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		$1,011,964 (+7.42%) Land $276,408 Building $735,556	$1,011,964 (+7.42%) Land $276,408 Building $735,556
2025	$4,266.00	$942,102 Land $276,408 Building $665,694	$942,102 Land $276,408 Building $665,694
2023		$372,452 Land $328,299 Building $44,153	$372,452 Land $328,299 Building $44,153
2022	$2,203.00

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

Flood

FEMA maps place 221 Hill St 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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

The area around 221 Hill St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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