Carteret County property record for 109 E Summer Pl, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,586 sqft · built 1985 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $288,000 (Oct 2015) |
| Tax Bill | $2,916 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 6304.17.10.8898000 |
| Primary APN | 6304.17.10.8898000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,586 sqft Heated Area |
| Gross Area | 1,458 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,625 sqft (0.198 acres) |
| Lot Dimensions | 113 ft deep x 75 ft wide |
| Porch | Slab |
| Porch Area | 258 sqft |
| Deck Area | 66 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 51016 |
|---|---|
| Street Address | 109 E SUMMER PL |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-3336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L2 BC B25 EMERALD ISLE |
| Legal Subdivision | EMERALD ISLE BY THE SEA |
| Legal Block | 10 |
| Legal Lot Number | 2 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1046 |
| 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 | 109 E SUMMER PL, EMERALD ISLE, NC 28594-3336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2015 · Amount on Record |
| Deed Sale | Oct 23, 2015 · Amount on Record |
| Deed Document Number | 201523383 |
| Deed Book / Page | 1523 / 383 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 109 E SUMMER PL, EMERALD ISLE, NC 28594-3336 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Title Company | STEWART TITLE GURANTY, STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|---|
| Address | 109 E SUMMER PL, EMERALD ISLE, NC 28594-3336 |
| Document Number | 0018140293 |
|---|---|
| Date | Nov 27, 2023 |
| Book Page | 1814/293 |
| Instrument | 1814293 |
| Name | FIRST CITIZENS BANK AND TRUST CO INC |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $752,615 (-) Land $357,720 Building $394,895 | $752,615 (-) Land $357,720 Building $394,895 | |
| 2025 | $2,916.00 (+62.81%) | $752,615 (+144.27%) Land $357,720 Building $394,895 | $752,615 (+144.27%) Land $357,720 Building $394,895 |
| 2023 | $308,105 Land $178,605 Building $129,500 | $308,105 Land $178,605 Building $129,500 | |
| 2022 | $1,791.00 |
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 AE, within 500 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 | 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 222 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Brightspeed.
5G (outdoors only) and 4G LTE
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