Carteret County property record for 103 James Dr, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,563 sqft · built 1984 |
| Lot Size | 0.273 acres (11,892 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $480,000 (Aug 2004) |
| Tax Bill | $3,803 (2025) |
| Deeds & Mortgages | Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 5393.07.58.1845000 |
| Primary APN | 5393.07.58.1845000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,563 sqft Heated Area |
| Gross Area | 2,481 sqft |
| 1st Floor Area | 1,582 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Contemporary |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 11,892 sqft (0.273 acres) |
| Lot Dimensions | 155 ft deep x 75 ft wide |
| Porch | Slab |
| Porch Area | 132 sqft |
| Deck Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 47475 |
|---|---|
| Street Address | 103 JAMES DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-3018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L12 BB B31 OAKLAND HILLS |
| Legal Subdivision | OAKLAND HILLS |
| Legal Block | 58 |
| Legal Lot Number | 12 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 970903 |
Source: Carteret County records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 103 JAMES DR, EMERALD ISLE, NC 28594-3018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2004 · Amount on Record |
| Deed Sale | Aug 24, 2004 · Amount on Record |
| Deed Book / Page | 1071 / 362 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 103 JAMES DR, EMERALD ISLE, NC 28594-3018 |
| Document Number | 0015680344 |
| Book / Page | 001568 / 000344 |
| Instrument Date | Feb 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2017 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 103 JAMES DR EMERALD ISLE NC 285943018, EMERALD ISLE, NC 28594-3018 |
| Document Number | 0015680344 |
|---|---|
| Date | Mar 2, 2017 |
| Book Page | 001568/000344 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $1,021,427 (-) Land $454,600 Building $566,827 | $1,021,427 (-) Land $454,600 Building $566,827 | |
| 2025 | $3,803.00 (+62.45%) | $1,021,427 (+140.27%) Land $454,600 Building $566,827 | $1,021,427 (+140.27%) Land $454,600 Building $566,827 |
| 2023 | $425,108 Land $215,437 Building $209,671 | $425,108 Land $215,437 Building $209,671 | |
| 2022 | $2,341.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AO, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 175 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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