Carteret County property record for 109 Shell Dr, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 1,920 sqft · built 2001 |
| Lot Size | 0.264 acres (11,543 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $398,500 (Dec 2014) |
| Tax Bill | $3,081 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5383.11.76.3831000 |
| Primary APN | 5383.11.76.3831000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,920 sqft Heated Area |
| Gross Area | 1,216 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | Contemporary |
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,543 sqft (0.264 acres) |
| Lot Dimensions | 154 ft deep x 75 ft wide |
| Porch | Porch |
| Porch Area | 64 sqft |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 56305 |
|---|---|
| Street Address | 109 SHELL DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-2442 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B3 |
| Legal Description | L6 BL EMERALD ISLE |
| Legal Subdivision | EMERALD ISLE SEC L |
| Legal Block | L |
| Legal Lot Number | 6 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 970904 |
Source: Carteret County records · APN 5383.11.76.3831000
Assessment roll updated January 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 109 SHELL DR, EMERALD ISLE, NC 28594-2442 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Feb 03, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 14, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| May 19, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 19, 2014 · Amount on Record |
| Deed Sale | Dec 19, 2014 · Amount on Record |
| Deed Document Number | 0001497121 |
| Deed Book / Page | 1497 / 121 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 109 SHELL DR, EMERALD ISLE, NC 28594-2442 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017060460 |
|---|---|
| Date | Feb 03, 2021 |
| Book Page | 1706/460 |
| Instrument | 1706460 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 109 SHELL DR, EMERALD ISLE, NC 28594-2442 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0016460136 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | 1646/136 |
| Instrument | 1646136 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Feb 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 109 SHELL DR, EMERALD ISLE, NC 28594-2442 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0016720227 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 1672/227 |
| Instrument | 1672227 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Mar 01, 2045 |
Source: Carteret County records · Assessment roll updated January 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Municipality | Emerald Isle Town |
| Unified School District | Carteret County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,081.00 (+34.01%) | $802,661 (+92.76%) Land $412,988 Building $389,673 | $802,661 (+92.76%) Land $412,988 Building $389,673 |
| 2023 | $416,413 Land $180,810 Building $235,603 | $416,413 Land $180,810 Building $235,603 | |
| 2022 | $2,299.00 |
Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 604 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1,140 units insured incl. 536 condo units |
| Nearby Flood Claims | 86 (1996–2024) |
| Claims Outside the SFHA | 27 of 86 |
| Most Recent Claim | Sep 2024 · Potential Tropical Cyclone Eight |
| Claims by Event |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 171 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | BOGUE BANKS WATER CORPORATION private · serves 4,995 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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