Carteret County property record for 103 Cedar Tree Ln, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,240 sqft · built 2005 |
| Lot Size | 0.325 acres (14,157 sqft) |
| Owner | Individual Name on File |
| Last Sale | $676,500 (May 2005) |
| Tax Bill | $3,944 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6304.19.51.2674000 |
| Primary APN | 6304.19.51.2674000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 3,240 sqft Heated Area |
| Gross Area | 1,384 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Contemporary |
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,157 sqft (0.325 acres) |
| Lot Dimensions | 190 ft deep x 75 ft wide |
| Pool Area | 416 sqft |
| Porch | Slab |
| Porch Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 30601 |
|---|---|
| Street Address | 103 CEDAR TREE LN |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-3507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L29 B22 EMERALD ISLE |
| Legal Subdivision | JAMES SINGLETON S/D |
| Legal Block | 51 |
| Legal Lot Number | 29 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1073 |
| Census Tract | 970903 |
103 Cedar Tree Ln is owned by an individual who bought it in May 2005.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 EAGLE ROCK CT, CHAPEL HILL, NC 27516-8614 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 16, 2005 · Amount on File |
| Deed Sale | May 16, 2005 · Amount on File |
| Prior Sale | Mar 26, 2004 |
| Deed Document Number | 20051111247 |
| Deed Book / Page | 1111 / 247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 103 CEDAR TREE LN, EMERALD ISLE, NC 28594 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0016770357 |
|---|---|
| Date | Jul 6, 2020 |
| Book Page | 1677/357 |
| Instrument | 1677357 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Margin | 2 |
The 2025 property tax bill for 103 Cedar Tree Ln was $3,944.
Source: Carteret County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Municipality | Emerald Isle Town |
| Unified School District | Carteret County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,064,036 (-) Land $337,950 Building $726,086 | $1,064,036 (-) Land $337,950 Building $726,086 | |
| 2025 | $3,944.00 | $1,064,036 Land $337,950 Building $726,086 | $1,064,036 Land $337,950 Building $726,086 |
| 2023 | $552,741 Land $249,480 Building $303,261 | $552,741 Land $249,480 Building $303,261 | |
| 2022 | $2,960.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Cedar Tree Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 760 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 965 units insured incl. 205 condo units |
| Nearby Flood Claims | 1,172 (1982–2024) |
| Claims Outside the SFHA | 778 of 1,172 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| 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.
The area around 103 Cedar Tree Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | BOGUE BANKS WATER CORPORATION private · serves 4,995 people · EPA ID NC0416028 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2020 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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