Residential Lot at 240 White Oak Bluff Road, Stella, NC 28582
1 photo

$239,000

240 White Oak Bluff Road, Stella, NC 28582
Stella, NC 28582
Listed by Bradberry Garner Real Estate · Keller Williams Crystal Coast
Bedrooms
N/A
Bathrooms
N/A
Living area
N/A
Year built
N/A

About this home

Owner financing may be available, subject to approved terms and conditions. Call today for additional details and financing information. One of the few remaining waterfront homesites in the sought-after White Oak Bluffs community, this nearly 2-acre lot on deep Hadnot Creek offers an exceptional opportunity to build your custom home. Enjoy peaceful waterfront living with direct access to the White Oak River, while remaining just a short drive from the Crystal Coast beaches, shopping, dining, and schools. The property has already been cleared, leveled, and prepared for construction, allowing you to begin building sooner. The planned homesite is positioned toward the front of the property to maximize panoramic marsh and water views while preserving an expansive backyard. A double seawall is already in place, adding value and helping protect the shoreline. The owner thoughtfully designed a home plan of nearly 4,000 square feet, featuring a walk-out basement that opens to the backyard and takes full advantage of the sloping terrain and stunning water views. Built-in drainage was incorporated into the site design, and the proposed home sits well above the floodplain. Surrounded by protected wetlands, the property's scenic views are expected to remain unobstructed. The site has received approvals from the U.S. Army Corps of Engineers and the North Carolina Department of Environmental Quality for the planned improvements. Neighborhood guidelines allow homes up to 40 feet in height with a minimum of 1,500 heated square feet, offering flexibility to design a home that fits your vision. Wildlife is abundant, and many neighboring property owners have private docks, with the option to build your own if permitted. Residents also enjoy access to community amenities, including a private boat launch, sandy beach area, fishing pier, and day dock. Located near the end of White Oak Bluff Road, the property offers a quiet setting with minimal traffic and established homes nearby. With HOA dues of just $150 per year, this is a rare opportunity to create your ideal waterfront retreat in one of western Carteret County's most desirable waterfront communities.

Highlights

Waterfront

Property details

MLS
Hive MLS
MLS #
100509174
Property type
Residential Lot
Subdivision
White Oak Bluff
Status
Active
Days on market
513
On market date
May 22, 2025
Stories
N/A
Total bathrooms
N/A
Garage spaces
N/A
Parking spaces
N/A
Lot size
1.92 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
White Oak Elementary
5.44 mi away · Grades -1-5
Zoned school (attendance boundary, 2015-16 data)
4.0
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
746
Student:teacher ratio
14.3:1
District
Carteret County Public Schools
Middle
Broad Creek Middle
11.36 mi away · Grades 6-8
Zoned school (attendance boundary, 2015-16 data)
3.7
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
701
Student:teacher ratio
15.9:1
District
Carteret County Public Schools
High
Croatan High
9.59 mi away · Grades 9-12
Zoned school (attendance boundary, 2015-16 data)
4.4
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: A (2025)
Enrollment
910
Student:teacher ratio
15.4:1
District
Carteret County Public Schools

Walkability

Blended score for Stella's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). EPA National Walkability Index only -- nearby-amenity data not cached yet for this area.

24
Car-dependent
out of 100
EPA National Walkability Index
4.8 / 20 -- Least walkable

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$1,589/mo
$47,800 down
$191,200 loan
Principal & interest$1,240
Property tax (est.)$199
Home insurance (est.)$150

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Data source: Listing information provided by Hive MLS via Trestle/CoreLogic. Last updated August 19, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.