230 River Oaks Dr, Stella, NC 28582 Property Records

Carteret County property record for 230 River Oaks Dr, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,351 sqft · built 2023
Lot Size	0.463 acres (20,168 sqft)
Owner	Individual Name on Record
Last Sale	$288,000 (Dec 2023)
Tax Bill	$975 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Apr 2023 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`5367.01.36.6937000`

Property Details

APN / Parcel Number

Primary APN	`5367.01.36.6937000`
Alternative APNs	`557279` `68943`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,351 sqft Heated Area
Gross Area	1,946 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,168 sqft (0.463 acres)
Lot Dimensions	279 ft deep x 72 ft wide
Garage Type	Finished

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	68943
Street Address	230 RIVER OAKS DR
City	STELLA
State	NC
Zip	28582-9734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L4 LITTLETON S/D
Legal Subdivision	RIVER OAKS SUBDIVISION
Legal Lot Number	4
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1017
Census Tract	970801

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	230 RIVER OAKS DR, STELLA, NC 28582-9734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Warranty Deed, Transfer · VA Mortgage ALPHA MORTGAGE CORP
Apr 26, 2023	Deed of Trust, Mortgage · Construction Mortgage PARAGON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Deed Document Number	20231816118
Deed Book / Page	1816 / 118
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Dec 18, 2023
Property Address	230 RIVER OAKS DR, STELLA, NC 28582-9734
Document Number	0018160118
Book / Page	1816 / 118
Map Reference	MB 34 PG 559
Instrument Date	Dec 18, 2023
Instrument	1816118
Transaction Type	Transfer
Record Updated	Jan 15, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$576.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	612 PELLETIER LOOP RD, SWANSBORO, NC 28584-7478

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 RIVER OAKS DR, SWANSBORO, NC 28584-9475

Mortgage

Document Number	0018160119
Date	Dec 18, 2023
Book Page	1816/119
Instrument	1816119

Lender

Name	ALPHA MORTGAGE CORP
Type	Mortgage Company
Address	WILMINGTON, NC 28403

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	230 RIVER OAKS DR, STELLA, NC 28582-9734
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017970285
Date	Apr 26, 2023
Book Page	1797/285
Instrument	1797285

Lender

Name	PARAGON BANK
Type	Bank
Address	WILMINGTON, NC 28405

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	May 10, 2024

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
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$254,437 (-) Land $43,288 Building $211,149	$254,437 (-) Land $43,288 Building $211,149
2025	$975.00	$254,437 (+987.34%) Land $43,288 Building $211,149	$254,437 (+987.34%) Land $43,288 Building $211,149
2023		$23,400 Land $23,400	$23,400 Land $23,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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

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

Wildfire Risk	Moderate above 65% of the US · above 88% of North Carolina
Wildfire Likelihood	0.2% 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 41 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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