Carteret County property record for 1505 Emerald Dr, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,150 sqft · built 2024 |
| Lot Size | 0.212 acres (9,235 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $382,500 (Jul 2011) |
| Tax Bill | $4,788 (2025) |
| Deeds & Mortgages | Jan 2024 Construction Loan Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6324.13.04.2716000 |
| Primary APN | 6324.13.04.2716000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,150 sqft Heated Area |
| Gross Area | 1,528 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Foundation Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,235 sqft (0.212 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Slab |
|---|---|
| Porch Area | 280 sqft |
| Deck Area | 45 sqft |
| Utility Building | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 22557 |
|---|---|
| Street Address | 1505 EMERALD DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-6726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L31 B8 EMERALD ISLE |
| Legal Subdivision | EMERALD ISLE BY THE SEA |
| Legal Block | 04 |
| Legal Lot Number | 31 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1076 |
| Census Tract | 970903 |
1505 Emerald Dr is owned and occupied by two individuals who bought it in July 2011.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1505 EMERALD DR, EMERALD ISLE, NC 28594-6726 |
| 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.
| Date | Document |
|---|---|
| Jan 30, 2024 | Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jan 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2011 · Amount on File |
| Deed Sale | Jul 14, 2011 · Amount on File |
| Prior Sale | Nov 10, 2010 · Amount on File |
| Deed Document Number | 20111380368 |
| Deed Book / Page | 1380 / 368 |
| Prior Transfer Date | Nov 9, 2010 |
| Prior Transfer Doc | 0013580214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 1505 EMERALD DR, EMERALD ISLE, NC 28594-6726 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 253 PEARSON PLACE BUILDING, CLAYTON, NJ 08312 |
| Document Number | 0018180389 |
|---|---|
| Date | Jan 30, 2024 |
| Book Page | 1818/389 |
| Instrument | 1818389 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.27% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 2, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5.27% |
| Max Rate At Change | 9.27% |
| Margin | 3 |
| Max Rate | 12.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 1505 EMERALD DR, EMERALD ISLE, NC 28594-6726 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017040019 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 1704/19 |
| Instrument | 1704019 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 1505 Emerald Dr was $4,788.
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 | $1,319,722 (-) Land $377,252 Building $942,470 | $1,319,722 (-) Land $377,252 Building $942,470 | |
| 2025 | $4,788.00 | $1,319,722 Land $377,252 Building $942,470 | $1,319,722 Land $377,252 Building $942,470 |
| 2023 | $396,896 Land $264,180 Building $132,716 | $396,896 Land $264,180 Building $132,716 | |
| 2022 | $2,204.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1505 Emerald Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 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.
Wildfire risk around 1505 Emerald 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 99.1% of the US · lower than 99.5% 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.
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 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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