Carteret County property record for 106 Emerald Dr, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,440 sqft · built 1968 |
| Lot Size | 0.376 acres (16,379 sqft) |
| Owner | Individual Name on File |
| Last Sale | $944,895 (Jun 2025) |
| Tax Bill | $3,767 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Mar 2024 Mortgage + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 6324.12.76.7348000 |
| Primary APN | 6324.12.76.7348000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,440 sqft Heated Area |
| Gross Area | 1,770 sqft |
| 1st Floor Area | 224 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Paneling |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Contemporary |
| Exterior Material | Vinyl |
| Foundation Type | Pile |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,379 sqft (0.376 acres) |
| Lot Dimensions | 220 ft deep x 75 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 416 sqft |
| Deck Area | 33 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 79502 |
|---|---|
| Street Address | 106 EMERALD DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-6927 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L89 91 B1 EMERALD ISLE |
| Legal Subdivision | EMERALD ISLE BY THE SEA |
| Legal Block | 76 |
| Legal Lot Number | 89,91 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 970903 |
106 Emerald Dr is owned by an individual who bought it in June 2025.
Source: Carteret County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 RIVERFRONT PKWY, MOUNT HOLLY, NC 28120-1693 |
| 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.
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Mar 4, 2024 | Deed of Trust, Mortgage · Stand-Alone First Mortgage CASH IMPROVEMENTS LLC |
| Jun 12, 2023 | Deed of Trust, Mortgage · Commercial Mortgage GAP CAPITAL LLC |
| Jun 12, 2023 | Deed of Trust, Mortgage · Commercial Mortgage JFF RODGERS |
| Mar 8, 2022 | Warranty Deed, Transfer · Commercial Mortgage CLEAR SKY FINANCIAL LLC |
| Aug 11, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 20, 2025 · Amount on File |
| Deed Sale | Jun 20, 2025 · Amount on File |
| Prior Sale | Mar 8, 2022 · Amount on File |
| Deed Document Number | 20251858375 |
| Deed Book / Page | 1858 / 375 |
| Prior Transfer Date | Jun 11, 2025 |
| Prior Transfer Doc | 0018580375 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 106 EMERALD DR, EMERALD ISLE, NC 28594-6927 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0018700109 |
|---|---|
| Date | Oct 31, 2025 |
| Book Page | 1870/109 |
| Instrument | 1870109 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 106 EMERALD DR, EMERALD ISLE, NC 28594-6927 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0018210197 |
|---|---|
| Date | Mar 4, 2024 |
| Book Page | 1821/197 |
| Instrument | 1821197 |
| Name | CASH IMPROVEMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | WILSON, NC 27896 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 5 Months |
| Due | Aug 27, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 106 EMERALD DR, EMERALD ISLE, NC 28594-6927 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0018010302 |
|---|---|
| Date | Jun 12, 2023 |
| Book Page | 1801/302 |
| Instrument | 1801302 |
| Name | GAP CAPITAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | NORTH CHARLESTON, SC 29418 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 4 Months |
| Due | Oct 9, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 106 EMERALD DR, EMERALD ISLE, NC 28594-6927 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0018010289 |
|---|---|
| Date | Jun 12, 2023 |
| Book Page | 1801/289 |
| Instrument | 1801289 |
| Name | JFF RODGERS |
|---|---|
| Type | Private Party |
| Address | RALEIGH, NC 27609 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Dec 8, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Mar 8, 2022 |
| Property Address | 106 EMERALD DR, EMERALD ISLE, NC 28594-6927 |
| Document Number | 0017590246 |
| Book / Page | 1759 / 246 |
| Map Reference | MB 3 PG 55 |
| Instrument Date | Mar 4, 2022 |
| Instrument | 1759246 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,250.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7137 N RIDGE DR, 7137, RALEIGH, NC 27615-7038 |
| Name | Verified Name |
|---|---|
| Address | 405 GARDNER ST # 405, 405, RALEIGH, NC 27607-7108 |
| Document Number | 0001759247 |
|---|---|
| Date | Mar 8, 2022 |
| Instrument | 1759-247 |
| Name | CLEAR SKY FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 5 Months |
| Due | Aug 30, 2022 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Aug 11, 2020 |
| Property Address | 106 EMERALD DR, EMERALD ISLE, NC 28594-6927 |
| Document Number | 0016820412 |
| Book / Page | 001682 / 000412 |
| Instrument Date | Aug 11, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7137 N RIDGE DR RALEIGH NC 276157038, RALEIGH, NC 27615-7038 |
The 2025 property tax bill for 106 Emerald Dr was $3,767.
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 | $1,022,362 (+1.19%) Land $540,096 Building $482,266 | $1,022,362 (+1.19%) Land $540,096 Building $482,266 | |
| 2025 | $3,767.00 | $1,010,337 Land $540,096 Building $470,241 | $1,010,337 Land $540,096 Building $470,241 |
| 2023 | $490,289 Land $329,175 Building $161,114 | $490,289 Land $329,175 Building $161,114 | |
| 2022 | $8,121.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 Emerald Dr in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 106 Emerald Dr 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 91 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
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