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

Carteret County property record for 259 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,969 sqft · built 2005
Lot Size	0.612 acres (26,659 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Oct 2019)
Tax Bill	$1,504 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5367.04.74.7255000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.74.7255000`
Alternative APNs	`515507` `25657`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,969 sqft Heated Area
Gross Area	2,609 sqft
1st Floor Area	1,744 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,659 sqft (0.612 acres)
Lot Dimensions	229 ft deep x 109 ft wide
Porch	Slab
Porch Area	359 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	25657
Street Address	259 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L40 S3 WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	74
Legal Lot Number	40
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1018
Census Tract	970801

Owner

259 White Oak Bluff Rd is owned and occupied by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	259 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
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Oct 18, 2019	Warranty Deed, Transfer · Conventional Mortgage COASTAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2019 · Amount on File
Deed Sale	Oct 18, 2019 · Amount on File
Prior Sale	Aug 16, 2011 · Amount on File
Deed Document Number	20191652231
Deed Book / Page	1652 / 231
Prior Transfer Date	May 31, 2005
Prior Transfer Doc	0011140101
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	259 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Transaction Type	Mortgage
Record Updated	Jan 10, 2023
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017510060
Date	Dec 20, 2021
Book Page	1751/60
Instrument	1751060

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Oct 18, 2019
Property Address	259 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Document Number	0016520231
Book / Page	1652 / 231
Map Reference	MB 25 PG 84
Instrument Date	Oct 12, 2019
Instrument	1652231
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 326, FLINT HILL, VA 22627-0326

Mortgage

Document Number	1652232
Date	Oct 18, 2019
Instrument	1652-232

Lender

Name	COASTAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 259 White Oak Bluff Rd was $1,504.

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		$407,553 (-) Land $63,736 Building $343,817	$407,553 (-) Land $63,736 Building $343,817
2025	$1,504.00	$407,553 Land $63,736 Building $343,817	$407,553 Land $63,736 Building $343,817
2023		$229,195 Land $44,594 Building $184,601	$229,195 Land $44,594 Building $184,601
2022	$1,272.00

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

Flood

FEMA maps place 259 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 259 White Oak Bluff Rd is moderate, ranking above 53% 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 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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