138 Sand Castle Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 138 Sand Castle Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,539 sqft · built 2019
Lot Size	0.281 acres (12,240 sqft)
Owner	Individual Name on File
Tax Bill	$3,161 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`5383.09.16.6165000`

Property Details

APN / Parcel Number

Primary APN	`5383.09.16.6165000`
Alternative APNs	`66956` `34926`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,539 sqft Heated Area
Gross Area	1,919 sqft
1st Floor Area	175 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Foundation Type	Pile
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	165 ft deep x 76 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	325 sqft
Porch	Slab
Deck Area	90 sqft
Utility Building	164 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	34926
Street Address	138 SAND CASTLE DR
City	EMERALD ISLE
State	NC
Zip	28594-2327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L9 BF SEA DUNES
Legal Subdivision	SEA DUNES
Legal Block	16
Legal Lot Number	9
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2016
Census Tract	970904

Owner

138 Sand Castle Dr is owned and occupied by an individual who acquired it in December 2014.

Source: Carteret County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	138 SAND CASTLE DR, EMERALD ISLE, NC 28594-2327
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Apr 16, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 23, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 1, 2014
Transfer Doc	0015000289
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	138 SAND CASTLE DR, EMERALD ISLE, NC 28594-2327
Transaction Type	Mortgage
Record Updated	Jan 10, 2023
Title Company	SILK TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017520192
Date	Jan 4, 2022
Book Page	1752/192
Instrument	1752192

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	138 SAND CASTLE DR, EMERALD ISLE, NC 28594-2327
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017170328
Date	Apr 16, 2021
Book Page	1717/328
Instrument	1717328

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SWANSBORO, NC 28584

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	138 SAND CASTLE DR, EMERALD ISLE, NC 28594-2327
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016880301
Date	Sep 23, 2020
Book Page	1688/301
Instrument	1688301

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union
Address	SWANSBORO, NC 28584

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 138 Sand Castle Dr was $3,161.

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Emerald Isle Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$826,900 (-) Land $333,145 Building $493,755	$826,900 (-) Land $333,145 Building $493,755
2025	$3,161.00	$826,900 Land $333,145 Building $493,755	$826,900 Land $333,145 Building $493,755
2023		$389,833 Land $177,840 Building $211,993	$389,833 Land $177,840 Building $211,993
2022	$2,061.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 138 Sand Castle Dr in Zone X, an area of moderate flood risk, though there have been 86 flood claims nearby since 1996.

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 File 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	Hurricane Florence, Sep 2018 · 68 claims Hurricane Irene, Aug 2011 · 2 claims Hurricane Ophelia, Sep 2005 · 4 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

Wildfire risk around 138 Sand Castle Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sand Castle Dr

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