103 Locust Ct, Atlantic Beach, NC 28512 Property Records

Carteret County property record for 103 Locust Ct, Atlantic Beach, NC 28512

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,888 sqft · built 1985
Lot Size	0.349 acres (15,202 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (May 2020)
Tax Bill	$1,585 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`6355.16.93.1654000`

Property Details

APN / Parcel Number

Primary APN	`6355.16.93.1654000`
Alternative APNs	`429375` `29638`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,888 sqft Heated Area
Gross Area	2,854 sqft
1st Floor Area	1,888 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,202 sqft (0.349 acres)
Lot Dimensions	154 ft deep x 93 ft wide
Garage Type	Unfinished
Porch	Slab
Porch Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	29638
Street Address	103 LOCUST CT
City	ATLANTIC BEACH
State	NC
Zip	28512-6518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L8 BQQ PINE KNOLL SHORES
Legal Subdivision	SECTION FOUR PINE KNOLL SHORES EXTENSION
Legal Block	93
Legal Lot Number	8
Jurisdiction	CARTERET NC
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2037
Census Tract	971003

Owner

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 LOCUST CT, ATLANTIC BEACH, NC 28512-6518
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Apr 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage PREMIER PROCESSING LLC
Aug 4, 2021	Deed of Trust, Mortgage · Line of Credit MARINE FCU
May 18, 2020	Executor's Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2020 · Amount on Record
Deed Sale	May 18, 2020 · Amount on Record
Deed Document Number	20201672162
Deed Book / Page	1672 / 162
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	103 LOCUST CT, PINE KNOLL SHORES, NC 28512-6518
Transaction Type	Mortgage
Record Updated	Apr 4, 2023
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017950107
Date	Mar 29, 2023
Book Page	1795/107
Instrument	1795107

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 3, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	103 LOCUST CT, PINE KNOLL SHORES, NC 28512-6518
Transaction Type	Mortgage
Record Updated	Apr 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017640260
Date	Apr 19, 2022
Book Page	1764/260
Instrument	1764260

Lender

Name	PREMIER PROCESSING LLC
Type	Non-Lending Institution
Address	PHILADELPHIA, PA 19103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	103 LOCUST CT, PINE KNOLL SHORES, NC 28512-6518
Transaction Type	Mortgage
Record Updated	Aug 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017330158
Date	Aug 4, 2021
Book Page	1733/158
Instrument	1733158

Lender

Name	MARINE FCU
Type	Credit Union
Address	JACKSONVILLE, NC 28546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CARTERET NC
Recording Date	May 18, 2020
Property Address	103 LOCUST CT, PINE KNOLL SHORES, NC 28512-6518
Document Number	0016720162
Book / Page	1672 / 162
Map Reference	MB 7 PG 78
Instrument Date	Apr 23, 2020
Instrument	1672162
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 56314, VIRGINIA BEACH, VA 23456-9314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LOCUST CT, ATLANTIC BEACH, NC 28512-6518

Mortgage

Document Number	1672163
Date	May 18, 2020
Instrument	1672-163

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Pine Knoll Shores Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$661,258 (-) Land $212,419 Building $448,839	$661,258 (-) Land $212,419 Building $448,839
2025	$1,585.00 (+50.81%)	$661,258 (+110.58%) Land $212,419 Building $448,839	$661,258 (+110.58%) Land $212,419 Building $448,839
2023		$314,023 Land $108,028 Building $205,995	$314,023 Land $108,028 Building $205,995
2022	$1,051.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 461 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,290 units insured incl. 829 condo units
Nearby Flood Claims	52 (1999–2024)
Claims Outside the SFHA	16 of 52
Most Recent Claim	Sep 2024 · Potential Tropical Cyclone Eight
Claims by Event	Hurricane Dorian, Sep 2019 · 4 claims Hurricane Florence, Sep 2018 · 37 claims Hurricane Irene, Aug 2011 · 5 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PINE KNOLL SHORES private · serves 4,800 people · EPA ID NC0416031
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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