485 Pelletier Loop Rd, Swansboro, NC 28584 Property Records

Carteret County property record for 485 Pelletier Loop Rd, Swansboro, NC 28584

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,320 sqft · built 2021
Lot Size	5.7 acres (248,423 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Jul 2018)
Tax Bill	$2,804 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5376.03.43.4387000`

Property Details

APN / Parcel Number

Primary APN	`5376.03.43.4387000`
Alternative APNs	`375184` `64071`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,320 sqft Heated Area
Gross Area	2,422 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	248,423 sqft (5.7 acres)
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Pool Area	902 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	64071
Street Address	485 PELLETIER LOOP RD
City	SWANSBORO
State	NC
Zip	28584-7473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 LARRY T WATSON
Legal Subdivision	LARRY T WATSON
Legal Block	43
Legal Lot Number	2
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	3
Census Block	3009
Census Tract	970801

Owner

485 Pelletier Loop Rd is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	485 PELLETIER LOOP RD, SWANSBORO, NC 28584-7473
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL FEDERAL CU
Oct 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Jul 3, 2018	Warranty Deed, Transfer · Conventional with PMI LARRY T & CHERYL R WATSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2018 · Amount on File
Deed Sale	Jul 3, 2018 · Amount on File
Deed Document Number	20181613046
Deed Book / Page	1613 / 46
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	485 PELLETIER LOOP RD, SWANSBORO, NC 28584-7473
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	485 PELLETIER LOOP RD, SWANSBORO, NC 28584-7473

Mortgage

Document Number	0018690283
Date	Oct 23, 2025
Book Page	1869/283
Instrument	1869283

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	485 PELLETIER LOOP RD, SWANSBORO, NC 28584-7473
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017760147
Date	Aug 10, 2022
Book Page	1776/147
Instrument	1776147

Lender

Name	COASTAL FEDERAL CU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	485 PELLETIER LOOP RD, SWANSBORO, NC 28584-7473
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016900072
Date	Oct 2, 2020
Book Page	1690/72
Instrument	1690072

Lender

Name	FIRST BANK
Type	Bank
Address	GREENSBORO, NC 27401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 3, 2018
Property Address	485 PELLETIER LOOP RD, SWANSBORO, NC 28584-7473
Document Number	0016130046
Book / Page	001613 / 000046
Instrument Date	Jun 30, 2018
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	485 PELETIER LOOP RD SWANSBORO NC 28584, SWANSBORO, NC 28584

Mortgage

Document Number	16130047
Date	Jul 3, 2018
Book Page	001613/000047

Lender

Name	LARRY T & CHERYL R WATSON
Address	142 FAIRVIEW DR, EMERALD ISLE, NC 28594-2711
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	120 Months
Due	Jul 2, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 485 Pelletier Loop Rd was $2,804.

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Peletier Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$712,319 (-) Land $155,784 Building $556,535	$712,319 (-) Land $155,784 Building $556,535
2025	$2,804.00	$712,319 Land $155,784 Building $556,535	$712,319 Land $155,784 Building $556,535
2023		$448,659 Land $90,180 Building $358,479	$448,659 Land $90,180 Building $358,479
2022	$446.00

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

Flood

FEMA maps place 485 Pelletier Loop Rd in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1996.

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 File median of 95 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	95 in force
Nearby Flood Claims	14 (1996–2018)
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 9 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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

Wildfire risk around 485 Pelletier Loop Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 73% of North Carolina
Wildfire Likelihood	0.1% 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 42 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

May also be available: Brightspeed.

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