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

Carteret County property record for 235 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,952 sqft · built 2024
Lot Size	0.661 acres (28,793 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Jul 2022)
Tax Bill	$2,107 (2025)
Deeds & Mortgages	Jul 2024 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5367.04.63.9246000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.63.9246000`
Alternative APNs	`555405` `38297`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,952 sqft Heated Area
Gross Area	4,496 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,793 sqft (0.661 acres)
Lot Dimensions	229 ft deep x 124 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38297
Street Address	235 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L29 S2 WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	63
Legal Lot Number	29
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1018
Census Tract	970801

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	235 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
Jul 9, 2024	Deed of Trust, Mortgage · VA Mortgage MEGA CAPITAL FUNDING INC
Jul 19, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MARINE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on File
Deed Sale	Jul 19, 2022 · Amount on File
Deed Document Number	20221774085
Deed Book / Page	1774 / 85
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	235 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0018310166
Date	Jul 9, 2024
Book Page	1831/166
Instrument	1831166

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company
Address	CALABASAS, CA 91302

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 19, 2022
Property Address	235 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Document Number	0017740085
Book / Page	1774 / 85
Map Reference	MB 25 PG 7&76A
Instrument Date	Jul 14, 2022
Instrument	1774085
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 C WOOD FARMS RD, SWANSBORO, NC 28584-7799

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 MISTY MORNING DR, COLUMBIA, SC 29229-9085
Investor	Possibly a Property Investor

Mortgage

Document Number	0001774086
Date	Jul 19, 2022
Instrument	1774-086

Lender

Name	MARINE FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 235 White Oak Bluff Rd was $2,107.

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		$582,506 (-) Land $64,779 Building $517,727	$582,506 (-) Land $64,779 Building $517,727
2025	$2,107.00	$582,506 Land $64,779 Building $517,727	$582,506 Land $64,779 Building $517,727
2023		$48,639 Land $48,639	$48,639 Land $48,639
2022	$233.00

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

Flood

FEMA maps place 235 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 235 White Oak Bluff Rd is moderate, ranking above 56% 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 56% of the US · above 78% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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