295 Hidden Bay Dr, Cedar Point (Swansboro), NC 28584 Property Records

Carteret County property record for 295 Hidden Bay Dr, Cedar Point, NC 28584

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,536 sqft · built 1982
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on Record
Tax Bill	$874 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5375.20.72.9415000`

Property Details

APN / Parcel Number

Primary APN	`5375.20.72.9415000`
Alternative APNs	`333618` `63770`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,536 sqft Heated Area
Gross Area	1,680 sqft
1st Floor Area	1,440 sqft
Storm Shelter	Storm Shelter
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Storm Shutters	Storm Shutters

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,946 sqft (0.94 acres)
Lot Dimensions	150 ft deep x 210 ft wide
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	72 sqft
Patio Area	5 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Wood

Location & Zoning

Account Number	63770
Street Address	295 HIDDEN BAY DR
City	CEDAR POINT
State	NC
Zip	28584-7808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT OFF RIVER RD BOGUE
Legal Subdivision	LAURA TRIGLETH S/D
Legal Block	72
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	3
Census Block	3046
Census Tract	970806

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	Individual Name on Record
Mailing Address	295 HIDDEN BAY DR, CEDAR POINT, NC 28584-7808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	295 HIDDEN BAY DR, CEDAR POINT, NC 28584-7808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016900388
Date	Oct 7, 2020
Book Page	1690/388
Instrument	1690388

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	FHA 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		$238,772 (-) Land $71,166 Building $167,606	$238,772 (-) Land $71,166 Building $167,606
2025	$874.00 (+2.94%)	$238,772 (+55.03%) Land $71,166 Building $167,606	$238,772 (+55.03%) Land $71,166 Building $167,606
2023		$154,012 Land $60,702 Building $93,310	$154,012 Land $60,702 Building $93,310
2022	$849.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 213 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	339 units insured incl. 126 condo units
Nearby Flood Claims	49 (1996–2022)
Claims Outside the SFHA	3 of 49
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Florence, Sep 2018 · 37 claims Hurricane Ophelia, Sep 2005 · 5 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 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WEST CARTERET WATER CORP private · serves 19,512 people · EPA ID NC0416040
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 152 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20