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

Carteret County property record for 243 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,950 sqft · built 2004
Lot Size	0.513 acres (22,346 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Oct 2021)
Tax Bill	$1,409 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5367.04.73.1568000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.73.1568000`
Alternative APNs	`552526` `63760`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,950 sqft Heated Area
Gross Area	2,483 sqft
1st Floor Area	538 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,346 sqft (0.513 acres)
Lot Dimensions	226 ft deep x 97 ft wide
Garage Type	Finished
Garage Area	661 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	343 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	63760
Street Address	243 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L32 S3 WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	73
Legal Lot Number	32
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1018
Census Tract	970801

Owner

243 White Oak Bluff Rd is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	243 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Oct 25, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Apr 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2021 · Amount on File
Deed Sale	Oct 25, 2021 · Amount on File
Prior Sale	Jun 9, 2004 · Amount on File
Deed Document Number	20211743429
Deed Book / Page	1743 / 429
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Oct 25, 2021
Property Address	243 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Document Number	0017430429
Book / Page	1743 / 429
Map Reference	MB 25 PG 84
Instrument Date	Oct 6, 2021
Instrument	1743429
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	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	872 PARKERTOWN RD, HUBERT, NC 28539-3932

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 WHITE OAK BLUFF RD, STELLA, NC 28582-9757

Mortgage

Document Number	0001743430
Date	Oct 25, 2021
Instrument	1743-430

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	243 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016680337
Date	Apr 8, 2020
Book Page	1668/337
Instrument	1668337

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 243 White Oak Bluff Rd was $1,409.

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		$380,113 (-) Land $61,627 Building $318,486	$380,113 (-) Land $61,627 Building $318,486
2025	$1,409.00	$380,113 Land $61,627 Building $318,486	$380,113 Land $61,627 Building $318,486
2023		$213,892 Land $41,249 Building $172,643	$213,892 Land $41,249 Building $172,643
2022	$1,198.00

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

Flood

FEMA maps place 243 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 243 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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