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

Carteret County property record for 264 White Oak Bluff Rd, Stella, NC 28582

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,961 sqft · built 2014
Lot Size	0.784 acres (34,151 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Dec 2016)
Tax Bill	$2,201 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5367.04.83.0987000`

Property Details

APN / Parcel Number

Primary APN	`5367.04.83.0987000`
Alternative APNs	`396439` `64939`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,961 sqft Heated Area
Gross Area	2,916 sqft
1st Floor Area	392 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,151 sqft (0.784 acres)
Lot Dimensions	285 ft deep x 136 ft wide
View / Lot	Waterfront - Canal
Garage Type	Mixed
Garage Area	192 sqft

Exterior Amenities

Porch	Slab
Deck Area	54 sqft
Canopy	144 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	64939
Street Address	264 WHITE OAK BLUFF RD
City	STELLA
State	NC
Zip	28582-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L54 S2 WHITE OAK BLUFF
Legal Subdivision	WHITE OAK BLUFF
Legal Block	83
Legal Lot Number	54
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1018
Census Tract	970801

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	264 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jun 27, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Oct 9, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2016 · Amount on Record
Deed Sale	Dec 2, 2016 · Amount on Record
Prior Sale	May 20, 2016 · Amount on Record
Deed Document Number	20161561028
Deed Book / Page	1561 / 28
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	264 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018160295
Date	Dec 21, 2023
Book Page	1816/295
Instrument	1816295

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2044

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	264 WHITE OAK BLUFF RD, STELLA, NC 28582-9757
Transaction Type	Mortgage
Record Updated	Jan 10, 2023
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017710469
Date	Jun 27, 2022
Book Page	1771/469
Instrument	1771469

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	264 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	0016910029
Date	Oct 9, 2020
Book Page	1691/29
Instrument	1691029

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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		$786,232 (+20.08%) Land $182,305 Building $603,927	$786,232 (+20.08%) Land $182,305 Building $603,927
2025	$2,201.00 (+15.36%)	$654,762 (+65.98%) Land $182,305 Building $472,457	$654,762 (+65.98%) Land $182,305 Building $472,457
2023		$394,491 Land $81,077 Building $313,414	$394,491 Land $81,077 Building $313,414
2022	$1,908.00

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · above 82% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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

4G LTE only, no 5G reported

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