# 240 White Oak Bluff Road, Stella, NC 28582 > **TL;DR:** land, $239,000. > Waterfront. Est. $1,429/mo. Listed 527 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $239,000 | | Lot Size | 83,635 sqft (1.92 acres) | | Property Type | Land (Other) | | Status | Active | | Days on Market | 527 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,209 | | Estimated Insurance | $70 | | HOA | $150 | | **Total** | **$1,429** | ## Nearby Schools - **Elementary:** White Oak Elementary - **Middle:** Broad Creek - **High:** Croatan ## Key Amenities - Waterfront ## Property Highlights - 1.92 acre lot - Waterfront ## Description ### Agent Description 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. ## Location - **Address:** 240 White Oak Bluff Road, Stella, NC 28582 - **County:** Carteret - **Neighborhood:** White Oak Bluff - **Coordinates:** 34.760875, -77.109881 - **Google Maps:** https://www.google.com/maps?q=34.760875,-77.109881 ## Listing Agent - **Name:** Bradberry Garner Real Estate · **License:** C36137 - **Brokerage:** Keller Williams Realty - **Broker Phone:** (252) 637-2010 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/240-White-Oak-Bluff-Rd_Stella_NC_28582_M67537-91967?f=listhub&s=HIVEMLSNC&m=100509174&c=propsimple) ## Photos ![240 White Oak Bluff Road - Photo 1](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f2430284966r.jpg) ![240 White Oak Bluff Road - Photo 2](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f1590629650r.jpg) ![240 White Oak Bluff Road - Photo 3](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f1745072793r.jpg) ![240 White Oak Bluff Road - Photo 4](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f4258326376r.jpg) ![240 White Oak Bluff Road - Photo 5](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f1813140463r.jpg) ![240 White Oak Bluff Road - Photo 6](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f3176594078r.jpg) ![240 White Oak Bluff Road - Photo 7](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f1484483598r.jpg) ![240 White Oak Bluff Road - Photo 8](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f1713952237r.jpg) ![240 White Oak Bluff Road - Photo 9](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f4003865137r.jpg) ![240 White Oak Bluff Road - Photo 10](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f1087157188r.jpg) ![240 White Oak Bluff Road - Photo 11](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f4239106248r.jpg) ![240 White Oak Bluff Road - Photo 12](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f2293610504r.jpg) ![240 White Oak Bluff Road - Photo 13](http://lh.rdcpix.com/a83039380a3fc786ff1caa11e891ffbal-f2502815924r.jpg) --- **MLS#:** 100509174 | **Updated:** 2026-10-20 **Source:** listhub *Copyright © 2026 Hive MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/240-white-oak-bluff-road-stella-nc-28582-b8bda8f58bba4b5a891655327208a6a7) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/240-white-oak-bluff-road-stella-nc-28582-b8bda8f58bba4b5a891655327208a6a7#listing", "url": "https://staging.propertysimple.ai/listing/240-white-oak-bluff-road-stella-nc-28582-b8bda8f58bba4b5a891655327208a6a7", "name": "240 White Oak Bluff Road, Stella, NC 28582", "description": "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. 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