240 Bluff Rd, Cedar Point (Swansboro), NC 28584 Property Records

Carteret County property record for 240 Bluff Rd, Cedar Point, NC 28584 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	4 Baths
Architecture Style	Conventional
Year Built	Built 2017
Square Footage	3,856 sqft Heated Area
Lot Size	81,457 sqft (1.87 acres)
Occupancy	Owner Occupied
Tax Bill	$6,444.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`5374.14.24.5736000`
Alternative APNs	`10709` `37940`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Partial Baths	1 Partial Baths
Building Area	3,856 sqft Heated Area
Gross Area	4,884 sqft Gross Area
Stories	2 Stories
Primary Flooring	Laminate Plank Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2017
Architectural Style	Conventional Style
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Foundation Type	Wood Foundation
Roof Construction	Gable Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	81,457 sqft (1.87 acres)
Depth X Width	666 ft x 282 ft Depth x Width

Exterior Amenities

Deck Area	550 sqft Deck
Porch	Porch
Boat Lift	Boat Lift
Boat Access	Boat Access

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating

Location & Zoning

Account Number	37940
Street Address	240 BLUFF RD
City	CEDAR POINT
State	NC
Zip	28584-9362
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	TRACT 2A SILVERDALE MARLE LAND
Legal Subdivision	BLUFF ROAD
Legal Tract	2A
Legal Lot Number	2A
Jurisdiction	CARTERET NC
Minor Civil Division	WHITE OAK
Census Blockgroup	3
Census Block	3055
Census Tract	970806

Owner

Source: Carteret County records · APN 5374.14.24.5736000

Assessment roll updated January 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	240 BLUFF RD, CEDAR POINT, NC 28584-9362
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 24, 2014
Deed Sale	Jul 24, 2014
Deed Doc Number	0001484405
Record Refreshed	Jun 08, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	240 BLUFF RD, CEDAR POINT, NC 28584-9362
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015860358
Date	Sep 07, 2017
Book Page	1586/358
Instrument	1586358

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2032

Interest

Rate Type	Adjustable Rate
Rate	3.35%
Type Change Date	Oct 01, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.35%
Index	1-Year LIBOR
Max Rate	9.35%

Tax Assessment & Valuation

Source: Carteret County records · Assessment roll updated January 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,444.00 (+245.15%)	$1,434,185 (+36.53%) Land $344,260 Building $1,089,925	$1,434,185 (+36.53%) Land $344,260 Building $1,089,925
2023		$1,050,460 Land $317,946 Building $732,514	$1,050,460 Land $317,946 Building $732,514
2022	$1,867.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carteret County (37031C), updated January 17, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	10.0 ft

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	About 1 in 2,041 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.