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

Carteret County property record for 245 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 2005
Lot Size	0.458 acres (19,950 sqft)
Owner	2 Individual Names on File
Last Sale	$168,000 (May 2018)
Tax Bill	$1,383 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`5367.04.73.2634000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.73.2634000`
Alternative APNs	`368552` `79068`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,638 sqft Heated Area
Gross Area	2,322 sqft
1st Floor Area	1,612 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Cape Cod
Exterior Material	Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,950 sqft (0.458 acres)
Lot Dimensions	220 ft deep x 102 ft wide
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	101 sqft
Deck Area	12 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	79068
Street Address	245 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L33 S3 WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	73
Legal Lot Number	33
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1018
Census Tract	970801

Owner

245 White Oak Bluff Rd is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	245 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
Mar 25, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 23, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2018 · Amount on File
Deed Sale	May 23, 2018 · Amount on File
Prior Sale	Apr 16, 2008 · Amount on File
Deed Document Number	20181609112
Deed Book / Page	1609 / 112
Prior Transfer Date	May 21, 2018
Prior Transfer Doc	0016090112
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	245 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017140052
Date	Mar 25, 2021
Book Page	1714/52
Instrument	1714052

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	May 23, 2018
Property Address	245 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Document Number	0016090112
Book / Page	001609 / 000112
Instrument Date	May 21, 2018
Transaction Type	Transfer
Record Updated	Jun 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$336.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	245 WHITE OAK BLUFF RD STELLA NC 285829757, STELLA, NC 28582-9757

Tax Assessment & Valuation

The 2025 property tax bill for 245 White Oak Bluff Rd was $1,383.

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		$372,710 (-) Land $60,455 Building $312,255	$372,710 (-) Land $60,455 Building $312,255
2025	$1,383.00	$372,710 Land $60,455 Building $312,255	$372,710 Land $60,455 Building $312,255
2023		$200,116 Land $42,419 Building $157,697	$200,116 Land $42,419 Building $157,697
2022	$860.00

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

Flood

FEMA maps place 245 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 245 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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