106 Emma Ct, Cedar Point (Swansboro), NC 28584 Property Records

Carteret County property record for 106 Emma Ct, Cedar Point, NC 28584

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,762 sqft · built 2005
Lot Size	0.397 acres (17,293 sqft)
Owner	2 Individual Names on File
Last Sale	$296,000 (Nov 2018)
Tax Bill	$2,272 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5374.14.22.5853000`

Property Details

APN / Parcel Number

Primary APN	`5374.14.22.5853000`
Alternative APNs	`382377` `58407`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,762 sqft Heated Area
Gross Area	2,309 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,293 sqft (0.397 acres)
Lot Dimensions	115 ft deep x 112 ft wide
Porch	Slab
Porch Area	115 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	58407
Street Address	106 EMMA CT
City	CEDAR POINT
State	NC
Zip	28584-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L22 BUDS RETREAT
Legal Subdivision	JOHN S JONES
Legal Block	22
Legal Lot Number	22
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	3
Census Block	3072
Census Tract	970806

Owner

106 Emma Ct is owned and occupied by two individuals who bought it in November 2018.

Source: Carteret County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	106 EMMA CT, CEDAR POINT, NC 28584-9365
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Sep 20, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Sep 18, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Sep 24, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Nov 16, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on File
Deed Sale	Nov 16, 2018 · Amount on File
Prior Sale	Oct 26, 2011 · Amount on File
Deed Document Number	20181623313
Deed Book / Page	1623 / 313
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	106 EMMA CT, CEDAR POINT, NC 28584-9365
Transaction Type	Mortgage
Record Updated	Apr 10, 2024
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 EMMA CT, CEDAR POINT, NC 28584-9365

Mortgage

Document Number	0018230153
Date	Mar 27, 2024
Book Page	1823/153
Instrument	1823153

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	106 EMMA CT, CEDAR POINT, NC 28584-9365
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017800039
Date	Sep 20, 2022
Book Page	1780/39
Instrument	1780039

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	106 EMMA CT, CEDAR POINT, NC 28584-9365
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016870498
Date	Sep 18, 2020
Book Page	1687/498
Instrument	1687498

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Oct 1, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	106 EMMA CT, CEDAR POINT, NC 28584-9365
Document Number	0016500207
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	106 EMMA CT CEDAR POINT NC 285849365, CEDAR POINT, NC 28584-9365

Mortgage

Document Number	0016500207
Date	Sep 26, 2019
Book Page	001650/000207

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Nov 16, 2018
Property Address	106 EMMA CT, CEDAR POINT, NC 28584-9365
Document Number	0016230313
Book / Page	001623 / 000313
Instrument Date	Nov 16, 2018
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1280 MCAVOY ST JACKSONVILLE NC 285403477, JACKSONVILLE, NC 28540-3477

Mortgage

Document Number	16230314
Date	Nov 16, 2018
Book Page	001623/000314

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 106 Emma Ct was $2,272.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Cedar Point Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$491,306 (-) Land $82,151 Building $409,155	$491,306 (-) Land $82,151 Building $409,155
2025	$2,272.00	$491,306 Land $82,151 Building $409,155	$491,306 Land $82,151 Building $409,155
2023		$243,985 Land $75,712 Building $168,273	$243,985 Land $75,712 Building $168,273
2022	$1,448.00

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

Flood

FEMA maps place 106 Emma Ct 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 213 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	339 units insured incl. 126 condo units
Nearby Flood Claims	49 (1996–2022)
Claims Outside the SFHA	3 of 49
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Florence, Sep 2018 · 37 claims Hurricane Ophelia, Sep 2005 · 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

Wildfire risk around 106 Emma Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 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	WEST CARTERET WATER CORP private · serves 19,512 people · EPA ID NC0416040
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026–2028) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 371 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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