221 White Oak Bluff Rd, Stella, NC 28582 Property Records

Carteret County property record for 221 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,070 sqft · built 2018
Lot Size	0.473 acres (20,604 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Apr 2022)
Tax Bill	$1,606 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Feb 2022 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5367.04.62.8599000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.62.8599000`
Alternative APNs	`554524` `23309`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,070 sqft Heated Area
Gross Area	2,775 sqft
1st Floor Area	1,864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,604 sqft (0.473 acres)
Lot Dimensions	220 ft deep x 104 ft wide
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	23309
Street Address	221 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L23 S2 WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	62
Legal Lot Number	23
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1018
Census Tract	970801

Owner

221 White Oak Bluff Rd is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	221 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
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
Apr 27, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Feb 3, 2022	Trustee's Deed, Foreclosure
Feb 6, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jul 23, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2022 · Amount on File
Deed Sale	Apr 27, 2022 · Amount on File
Prior Sale	Feb 3, 2022 · Amount on File
Deed Document Number	20221765287
Deed Book / Page	1765 / 287
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Apr 27, 2022
Property Address	221 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Document Number	0017650287
Book / Page	1765 / 287
Map Reference	MB 25 G 76-76A
Instrument Date	Apr 24, 2022
Instrument	1765287
Transaction Type	Transfer
Record Updated	Jan 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 N SHORE DR, SURF CITY, NC 28445-6638

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 WHITE OAK BLUFF RD, STELLA, NC 28582-9757

Mortgage

Document Number	0001765288
Date	Apr 27, 2022
Instrument	1765-288

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

February 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CARTERET NC
Recording Date	Feb 3, 2022
Property Address	221 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Document Number	0017550469
Book / Page	1755 / 469
Map Reference	MB 25 PG 76&76A
Instrument Date	Jan 12, 2022
Instrument	1755469
Transaction Type	Foreclosure
Record Updated	Jan 10, 2023

Transaction

Amount	Amount on Record
Tax	$636.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 DUGALD LN, HAMPSTEAD, NC 28443-9100
Investor	Possibly a Property Investor

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Feb 6, 2019
Property Address	221 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Document Number	0016290201
Book / Page	001629 / 000201
Instrument Date	Feb 6, 2019
Transaction Type	Transfer
Record Updated	Feb 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 PELICAN CIR SWANSBORO NC 285847604, SWANSBORO, NC 28584-7604

Mortgage

Document Number	16290202
Date	Feb 6, 2019
Book Page	001629/000202

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180-4907

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 23, 2018
Property Address	221 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Document Number	0016140438
Book / Page	001614 / 000438
Instrument Date	Jul 13, 2018
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$66.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	371 RIVER SHORE LN STELLA NC 285829747, STELLA, NC 28582-9747

Tax Assessment & Valuation

The 2025 property tax bill for 221 White Oak Bluff Rd was $1,606.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$437,288 (-) Land $60,775 Building $376,513	$437,288 (-) Land $60,775 Building $376,513
2025	$1,606.00	$437,288 Land $60,775 Building $376,513	$437,288 Land $60,775 Building $376,513
2023		$252,169 Land $42,822 Building $209,347	$252,169 Land $42,822 Building $209,347
2022	$1,382.00

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

Flood

FEMA maps place 221 White Oak Bluff Rd 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 40 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	12 (1993–2018)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims Hurricane Fran, Sep 1996 · 4 claims Severe Snowfall & Winter Storm, Mar 1993 · 2 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 221 White Oak Bluff Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

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

May also be available: Brightspeed.

Cell Coverage

4G LTE only, no 5G reported

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