416 Ocean Spray Dr, Cedar Point (Swansboro), NC 28584 Property Records

Carteret County property record for 416 Ocean Spray Dr, Cedar Point, NC 28584

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 2018
Lot Size	0.704 acres (30,666 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Jul 2023)
Tax Bill	$1,305 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5374.07.79.4605000`

Property Details

APN / Parcel Number

Primary APN	`5374.07.79.4605000`
Alternative APNs	`121687` `559051` `35086`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,740 sqft Heated Area
Gross Area	2,066 sqft
1st Floor Area	1,800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Modular
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,666 sqft (0.704 acres)
Lot Dimensions	395 ft deep x 98 ft wide
Porch	Slab
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	35086
Street Address	416 OCEAN SPRAY DR
City	SWANSBORO
State	NC
Zip	28584-9317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L29 OCEAN SPRAY MH ESTATE
Legal Subdivision	OCEAN SPRAY MOBILE HOME ESTATES
Legal Block	79
Legal Lot Number	29
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	3
Census Block	3022
Census Tract	970806

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	416 OCEAN SPRAY DR, SWANSBORO, NC 28584-9317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Jul 28, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER
May 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK
Jul 1, 2020	Warranty Deed, Transfer · VA Mortgage HOMESIDE FINANCIAL LLC
Nov 3, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2023 · Amount on Record
Deed Sale	Jul 28, 2023 · Amount on Record
Prior Sale	Jul 1, 2020 · Amount on Record
Deed Document Number	20231805219
Deed Book / Page	1805 / 219
Prior Transfer Date	May 24, 2012
Prior Transfer Doc	0014290197
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	416 OCEAN SPRAY DR, SWANSBORO, NC 28584-9317
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017220338
Date	May 18, 2021
Book Page	1722/338
Instrument	1722338

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 28, 2023
Property Address	416 OCEAN SPRAY DR, SWANSBORO, NC 28584-9317
Document Number	0018050219
Book / Page	1805 / 219
Map Reference	MB 26 PG 39-41
Instrument Date	Jul 24, 2023
Instrument	1805219
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 OCEAN SPRAY DR, SWANSBORO, NC 28584-9317

Mortgage

Document Number	0018050220
Date	Jul 28, 2023
Book Page	1805/220
Instrument	1805220

Lender

Name	MORTGAGE RESEARCH CENTER
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	416 OCEAN SPRAY DR, CEDAR POINT, NC 28584-9317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016090013
Date	May 21, 2018
Book Page	1609/013
Instrument	1609013

Lender

Name	PINNACLE BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 1, 2020
Property Address	416 OCEAN SPRAY DR, CEDAR POINT, NC 28584-9317
Document Number	0016770217
Book / Page	1677 / 217
Instrument Date	Jul 1, 2020
Instrument	1677217
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3001 RUE SANS FAMILLE, 3001, RALEIGH, NC 27607-3044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 OCEAN SPRAY DR, SWANSBORO, NC 28584-9317

Mortgage

Document Number	1677218
Date	Jul 1, 2020
Instrument	1677-218

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

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

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Nov 3, 2017
Property Address	416 OCEAN SPRAY DR, CEDAR POINT, NC 28584-9317
Document Number	0015920008
Book / Page	001592 / 000008
Instrument Date	Oct 27, 2017
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$52.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3001 RUE SANS FAMILLE RALEIGH NC 276073044, RALEIGH, NC 27607-3044

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		$371,593 (-) Land $69,672 Building $301,921	$371,593 (-) Land $69,672 Building $301,921
2025	$1,305.00 (+21.51%)	$371,593 (+81.22%) Land $69,672 Building $301,921	$371,593 (+81.22%) Land $69,672 Building $301,921
2023		$205,050 (-) Land $50,479 Building $154,571	$205,050 (-) Land $50,479 Building $154,571
2022	$1,074.00	$205,050 Land $50,479 Building $154,571	$205,050 Land $50,479 Building $154,571

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 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 122 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 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

416 Ocean Spray Dr, Cedar Point (Swansboro), NC 28584 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Ocean Spray Dr

Nearby Streets

Search Property Records by Address or Parcel Number