Carteret County property record for 111 Ocean Dr, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,176 sqft · built 1955 |
| Lot Size | 0.261 acres (11,369 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Sep 2004) |
| Tax Bill | $5,368 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2018 Mortgage + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | 6324.12.75.6912000 |
| Primary APN | 6324.12.75.6912000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,176 sqft Heated Area |
| Gross Area | 2,088 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cottage |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,369 sqft (0.261 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| View / Lot | Waterfront / Beach |
| Porch | Porch |
| Porch Area | 192 sqft |
| Deck Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 40007 |
|---|---|
| Street Address | 111 OCEAN DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-6942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L16 18 B1 EMERALD ISLE |
| Legal Subdivision | EMERALD ISLE BY THE SEA |
| Legal Block | 75 |
| Legal Lot Number | 16,18 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 970903 |
111 Ocean Dr is owned by two individuals who bought it in September 2004.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 808 STILL WILLOW LN, WENDELL, NC 27591-6205 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
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 |
|---|---|
| Apr 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Nov 6, 2018 | Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK |
| Sep 11, 2018 | Deed of Trust, Mortgage · Line of Credit UNITED CMNTY BK NC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2004 · Amount on File |
| Deed Sale | Sep 30, 2004 · Amount on File |
| Deed Book / Page | 1077 / 178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 111 OCEAN DR, EMERALD ISLE, NC 28594-6942 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017160053 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 1716/53 |
| Instrument | 1716053 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 111 OCEAN DR, EMERALD ISLE, NC 28594-6942 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0016220393 |
|---|---|
| Date | Nov 6, 2018 |
| Book Page | 1622/393 |
| Instrument | 1622393 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BREVARD, NC 28712 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 298 Months |
| Due | Sep 28, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 111 OCEAN DR, EMERALD ISLE, NC 28594-6942 |
| Document Number | 0016200081 |
| Instrument Date | Sep 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3501 CARTWAY LN RALEIGH NC 276169764, RALEIGH, NC 27616-9764 |
| Document Number | 0016200081 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 001620/000081 |
| Name | UNITED CMNTY BK NC |
|---|---|
| Type | Bank |
| Address | ZEBULON, NC 27597 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 27, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 111 Ocean Dr was $5,368.
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 | $1,402,171 (-) Land $1,057,781 Building $344,390 | $1,402,171 (-) Land $1,057,781 Building $344,390 | |
| 2025 | $5,368.00 | $1,402,171 Land $1,057,781 Building $344,390 | $1,402,171 Land $1,057,781 Building $344,390 |
| 2023 | $693,035 Land $571,200 Building $121,835 | $693,035 Land $571,200 Building $121,835 | |
| 2022 | $3,918.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 111 Ocean Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 111 Ocean 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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