Carteret County property record for 645 Stella Rd, Stella, NC 28582
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,825 sqft · built 2022 |
| Lot Size | 0.708 acres (30,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Mar 2023) |
| Tax Bill | $1,213 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jun 2022 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 5358.04.61.3110000 |
| Primary APN | 5358.04.61.3110000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,825 sqft Heated Area |
| Gross Area | 2,619 sqft |
| 1st Floor Area | 1,548 sqft |
| Utility Area | 108 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 30,840 sqft (0.708 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 426 sqft |
| Patio Area | 5 sqft |
| Utility Building | 43 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 35349 |
|---|---|
| Street Address | 645 STELLA RD |
| City | STELLA |
| State | NC |
| Zip | 28582-0019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L1 COASTAL MEADOWS S1 |
| Legal Subdivision | COASTAL MEADOWS |
| Legal Lot Number | 1 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 970801 |
645 Stella Rd is owned and occupied by two individuals who bought it in March 2023.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 STELLA RD, STELLA, NC 28582-0019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Jun 1, 2022 | Warranty Deed, Transfer · Line of Credit UBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2023 · Amount on File |
| Deed Sale | Mar 31, 2023 · Amount on File |
| Prior Sale | Jun 1, 2022 · Amount on File |
| Deed Document Number | 20231795261 |
| Deed Book / Page | 1795 / 261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Mar 31, 2023 |
| Property Address | 645 STELLA RD, STELLA, NC 28582-0019 |
| Document Number | 0017950261 |
| Book / Page | 1795 / 261 |
| Map Reference | MB 34 PG 359 |
| Instrument Date | Mar 30, 2023 |
| Instrument | 1795261 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 GARNET LN, JACKSONVILLE, NC 28546-8800 |
| Name | Verified Name |
|---|---|
| Address | 645 STELLA RD, STELLA, NC 28582-0019 |
| Document Number | 0001795262 |
|---|---|
| Date | Mar 31, 2023 |
| Instrument | 1795-262 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Jun 1, 2022 |
| Property Address | 645 STELLA RD, STELLA, NC 28582-0019 |
| Document Number | 0017690188 |
| Book / Page | 1769 / 188 |
| Map Reference | MB 34 PG 359 |
| Instrument Date | May 27, 2022 |
| Instrument | 1769188 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $416.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 166 CENTER ST, JACKSONVILLE, NC 28546-5707 |
| Name | Verified Name |
|---|---|
| Address | 104 GARNET LN, JACKSONVILLE, NC 28546-8800 |
| Investor | Possibly a Property Investor |
| Document Number | 0001769189 |
|---|---|
| Date | Jun 1, 2022 |
| Instrument | 1769-189 |
| Name | UBANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 645 Stella Rd was $1,213.
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 | $323,275 (-) Land $46,350 Building $276,925 | $323,275 (-) Land $46,350 Building $276,925 | |
| 2025 | $1,213.00 | $323,275 Land $46,350 Building $276,925 | $323,275 Land $46,350 Building $276,925 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Stella Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1993.
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 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.
Wildfire risk around 645 Stella Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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