106 Spruce Ct, Atlantic Beach, NC 28512 Property Records

Carteret County property record for 106 Spruce Ct, Atlantic Beach, NC 28512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,736 sqft · built 1978
Lot Size	0.488 acres (21,257 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Dec 2004)
Tax Bill	$1,368 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`6355.16.83.7478000`

Property Details

APN / Parcel Number

Primary APN	`6355.16.83.7478000`
Alternative APNs	`307840` `39053`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,736 sqft Heated Area
Gross Area	2,691 sqft
1st Floor Area	1,736 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,257 sqft (0.488 acres)
Lot Dimensions	167 ft deep x 105 ft wide
Garage Type	Unfinished
Porch	Slab
Porch Area	114 sqft
Patio Area	17 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	39053
Street Address	106 SPRUCE CT
City	ATLANTIC BEACH
State	NC
Zip	28512-6534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L16 BQQ PINE KNOLL SHORES
Legal Subdivision	PINE KNOLL SHORES
Legal Block	83
Legal Lot Number	16
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4260 LEE ST, AYDEN, NC 28513-7178
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Deed of Trust, Mortgage · Unknown STATE EMPLOYEES CU
Mar 28, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Oct 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2004 · Amount on Record
Deed Sale	Dec 13, 2004 · Amount on Record
Deed Book / Page	1087 / 492
Last Transfer Date	Oct 9, 2020
Transfer Doc	0016910464
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	106 SPRUCE CT, PINE KNOLL SHORES, NC 28512-6534
Transaction Type	Mortgage
Record Updated	Oct 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4260 LEE ST, AYDEN, NC 28513-7178

Mortgage

Document Number	0017810117
Date	Oct 3, 2022
Book Page	1781/117
Instrument	1781117

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Unknown
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2027
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	106 SPRUCE CT, PINE KNOLL SHORES, NC 28512-6534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015710105
Date	Mar 28, 2017
Book Page	1571/105
Instrument	1571105

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	9.75%

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARTERET NC
Recording Date	Oct 16, 2020
Property Address	106 SPRUCE CT, PINE KNOLL SHORES, NC 28512-6534
Document Number	0016910464
Book / Page	001691 / 000464
Instrument Date	Oct 9, 2020
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E MARKET ST WASHINGTON NC 27889, WASHINGTON, NC 27889

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		$564,496 (-) Land $226,486 Building $338,010	$564,496 (-) Land $226,486 Building $338,010
2025	$1,368.00 (+50.83%)	$564,496 (+108.76%) Land $226,486 Building $338,010	$564,496 (+108.76%) Land $226,486 Building $338,010
2023		$270,403 Land $106,953 Building $163,450	$270,403 Land $106,953 Building $163,450
2022	$907.00

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
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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