Carteret County property record for 478 Vfw Rd, Cedar Point, NC 28584
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,260 sqft · built 2021 |
| Lot Size | 0.823 acres (35,850 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $85,500 (Mar 2024) |
| Tax Bill | $3,818 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit May 2026 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5375.04.63.3322000 |
| Primary APN | 5375.04.63.3322000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,260 sqft Heated Area |
| Gross Area | 3,136 sqft |
| 1st Floor Area | 102 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 35,850 sqft (0.823 acres) |
| Lot Dimensions | 197 ft deep x 181 ft wide |
| View / Lot | Waterfront |
| Porch | Slab |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1000000029239 |
|---|---|
| Street Address | 478 VFW RD |
| City | SWANSBORO |
| State | NC |
| Zip | 28584-8092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L2 ELLIS DIV - PETTIFORD CREEK CEDAR POINT |
| Legal Subdivision | ELLIS SUBDIVISION |
| Legal Lot Number | 2 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 970806 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 478 VFW RD, SWANSBORO, NC 28584-8092 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| May 26, 2026 | Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 13, 2024 | Warranty Deed, Transfer |
| Mar 13, 2024 | Intrafamily Transfer, Transfer |
| Mar 15, 2022 | Intrafamily Transfer, Transfer |
| Sep 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2024 · Amount on Record |
| Deed Sale | Mar 13, 2024 · Amount on Record |
| Prior Sale | May 6, 2019 · Amount on Record |
| Deed Document Number | 20241822074 |
| Deed Book / Page | 1822 / 74 |
| Prior Transfer Date | Feb 12, 2024 |
| Prior Transfer Doc | 0018220075 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Jun 29, 2026 |
| Property Address | 478 VFW RD, SWANSBORO, NC 28584-8092 |
| Document Number | 0001889454 |
| Book / Page | 1889 / 454 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 20261889454 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 478 VFW RD, SWANSBORO, NC 28584-8092 |
| Document Number | 0001889454, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 1889/454 |
| Instrument | 20261889454 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | May 26, 2026 |
| Property Address | 478 VFW RD, SWANSBORO, NC 28584-8092 |
| Document Number | 0001886475 |
| Book / Page | 1886 / 475 |
| Instrument Date | Jan 7, 2026 |
| Instrument | 20261886475 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 VFW RD, SWANSBORO, NC 28584-8092 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Mar 13, 2024 |
| Property Address | 478 VFW RD, CEDAR POINT, NC 28584-8092 |
| Document Number | 0018220074 |
| Book / Page | 1822 / 74 |
| Map Reference | MB 33 PG 771 |
| Instrument Date | Feb 12, 2024 |
| Instrument | 1822074 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $171.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 VFW RD, CEDAR POINT, NC 28584-8092 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Mar 13, 2024 |
| Property Address | 478 VFW RD, CEDAR POINT, NC 28584-8092 |
| Document Number | 0018220075 |
| Book / Page | 1822 / 75 |
| Map Reference | MB 33 PG 771 |
| Instrument Date | Feb 12, 2024 |
| Instrument | 1822075 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 478 VFW RD, CEDAR POINT, NC 28584-8092 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Mar 15, 2022 |
| Property Address | 478 VFW RD, CEDAR POINT, NC 28584-8092 |
| Document Number | 0017600154 |
| Book / Page | 1760 / 154 |
| Map Reference | MB 33 PG 771 |
| Instrument Date | Mar 14, 2022 |
| Instrument | 1760154 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 VFW RD, SWANSBORO, NC 28584-8092 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 478 VFW RD, CEDAR POINT, NC 28584-8092 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0016880493 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 1688/493 |
| Instrument | 1688493 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Oct 1, 2051 |
Source: Carteret County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Municipality | Cedar Point Town |
| Unified School District | Carteret County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $840,798 (-) Land $178,530 Building $662,268 | $840,798 (-) Land $178,530 Building $662,268 | |
| 2025 | $3,818.00 (+824.46%) | $840,798 (+84.39%) Land $178,530 Building $662,268 | $840,798 (+84.39%) Land $178,530 Building $662,268 |
| 2023 | $455,989 Land $70,318 Building $385,671 | $455,989 Land $70,318 Building $385,671 | |
| 2022 | $413.00 |
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 |
|---|---|
| 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 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 |
|
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 42% of the US · above 62% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 22 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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