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

Carteret County property record for 223 Bell St, Cedar Point, NC 28584

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,749 sqft · built 1973
Lot Size	0.587 acres (25,570 sqft)
Owner	Individual Name on Record
Last Sale	$197,000 (Oct 2021)
Tax Bill	$2,418 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5374.18.32.7485000`

Property Details

APN / Parcel Number

Primary APN	`5374.18.32.7485000`
Alternative APNs	`490318` `44683`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,749 sqft Heated Area
Gross Area	2,797 sqft
1st Floor Area	1,749 sqft
Flooring	Vinyl/Resilient
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,570 sqft (0.587 acres)
Lot Dimensions	126 ft deep x 200 ft wide
Garage Type	Finished
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Patio Area	17 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	44683
Street Address	223 BELL ST
City	CEDAR POINT
State	NC
Zip	28584-8035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SR 1116 BELL ST CEDAR POINT
Legal Subdivision	JOHN S JONES
Legal Block	32
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	3
Census Block	3073
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	Individual Name on Record
Mailing Address	223 BELL ST, CEDAR POINT, NC 28584-8035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA
Oct 12, 2021	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2021 · Amount on Record
Deed Sale	Oct 12, 2021 · Amount on Record
Deed Document Number	20211741488
Deed Book / Page	1741 / 488
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	223 BELL ST, CEDAR POINT, NC 28584-8035
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015690006
Date	Mar 6, 2017
Book Page	1569/006
Instrument	1569006

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	419 Months
Due	Feb 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Oct 12, 2021
Property Address	223 BELL ST, CEDAR POINT, NC 28584-8035
Document Number	0017410488
Book / Page	1741 / 488
Instrument Date	Sep 27, 2021
Instrument	1741488
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$394.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 BELL ST, CEDAR POINT, NC 28584-8035

Mortgage

Document Number	0001741489
Date	Oct 12, 2021
Instrument	1741-489

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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		$530,712 (+1.22%) Land $99,395 Building $431,317	$530,712 (+1.22%) Land $99,395 Building $431,317
2025	$2,418.00 (+56.3%)	$524,316 (+101.05%) Land $99,395 Building $424,921	$524,316 (+101.05%) Land $99,395 Building $424,921
2023		$260,793 Land $111,600 Building $149,193	$260,793 Land $111,600 Building $149,193
2022	$1,547.00

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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