Carteret County property record for 112 Stuart Ave, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,392 sqft · built 1994 |
| Lot Size | 0.289 acres (12,589 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Jul 2019) |
| Tax Bill | $2,692 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5393.06.49.5141000 |
| Primary APN | 5393.06.49.5141000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,392 sqft Heated Area |
| Gross Area | 1,200 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Foundation Type | Pile |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 12,589 sqft (0.289 acres) |
| Lot Dimensions | 167 ft deep x 75 ft wide |
| Deck Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 23266 |
|---|---|
| Street Address | 112 STUART AVE |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-3033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | L13 SD JEFFERSON PLACE |
| Legal Subdivision | JEFFERSON PLACE |
| Legal Lot Number | 13 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 970903 |
Source: Carteret County records · APN 5393.06.49.5141000
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 112 STUART AVE, EMERALD ISLE, NC 28594-3033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 07, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Nov 15, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 25, 2019 | Warranty Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 25, 2019 · Amount on Record |
| Deed Sale | Jul 25, 2019 · Amount on Record |
| Deed Document Number | 0001644238 |
| Deed Book / Page | 1644 / 238 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 112 STUART AVE, EMERALD ISLE, NC 28594-3033 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2023 |
| Title Company | SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY |
| Name | Verified Name |
|---|
| Document Number | 0018010097 |
|---|---|
| Date | Jun 07, 2023 |
| Book Page | 1801/97 |
| Instrument | 1801097 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 01, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 112 STUART AVE, EMERALD ISLE, NC 28594-3033 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017460261 |
|---|---|
| Date | Nov 15, 2021 |
| Book Page | 1746/261 |
| Instrument | 1746261 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Oct 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Jul 25, 2019 |
| Property Address | 112 STUART AVE, EMERALD ISLE, NC 28594-3033 |
| Document Number | 0016440238 |
| Book / Page | 1644 / 238 |
| Map Reference | MB 15 PG 61 |
| Instrument Date | Jul 22, 2019 |
| Instrument | 1644238 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10443 COURTNEY DR, 10443, FAIRFAX, VA 22030-8101 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 112 STUART AVE, EMERALD ISLE, NC 28594-3033 |
| Document Number | 0016440239 |
|---|---|
| Date | Jul 25, 2019 |
| Book Page | 1644/239 |
| Instrument | 1644239 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Address | PARSIPPANY, NJ 07054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
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 | $2,692.00 (+19.86%) | $684,655 (+68.84%) Land $370,460 Building $314,195 | $684,655 (+68.84%) Land $370,460 Building $314,195 |
| 2023 | $405,513 Land $216,090 Building $189,423 | $405,513 Land $216,090 Building $189,423 | |
| 2022 | $2,246.00 |
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 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 |
|
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
Based on FCC filings for 175 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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