Carteret County property record for 389 Stella Rd, Stella, NC 28582
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,374 sqft · built 1999 |
| Lot Size | 3.58 acres (156,119 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $994 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 5358.04.81.0985000 |
| Primary APN | 5358.04.81.0985000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,374 sqft Heated Area |
| Gross Area | 1,623 sqft |
| 1st Floor Area | 1,407 sqft |
| Storm Shelter | Storm Shelter |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Storm Shutters | Storm Shutters |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Foundation Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 156,119 sqft (3.58 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 30 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 32190 |
|---|---|
| Street Address | 389 STELLA RD |
| City | STELLA |
| State | NC |
| Zip | 28582-9677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L1 1A CHARLES DOUGLAS |
| Legal Subdivision | CHARLES W DOUGLAS JR PHYLLIS G |
| Legal Block | 81 |
| Legal Lot Number | 1 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 970801 |
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 | 389 STELLA RD, STELLA, NC 28582-9677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 21, 2008 |
| Transfer Doc | 0001266406 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 389 STELLA RD, STELLA, NC 28582-9677 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2021 |
| Title Company | STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 0016660274 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 1666/274 |
| Instrument | 1666274 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Carteret County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Unified School District | Carteret County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $304,747 (-) Land $91,176 Building $213,571 | $304,747 (-) Land $91,176 Building $213,571 | |
| 2025 | $994.00 (+13.47%) | $304,747 (+58.94%) Land $91,176 Building $213,571 | $304,747 (+58.94%) Land $91,176 Building $213,571 |
| 2023 | $191,740 Land $81,324 Building $110,416 | $191,740 Land $81,324 Building $110,416 | |
| 2022 | $876.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 66% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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