210 Stroud St, Emerald Isle, NC 28594 Property Records

Carteret County property record for 210 Stroud St, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,539 sqft · built 2005
Lot Size	0.563 acres (24,524 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Jul 2019)
Tax Bill	$2,587 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`5383.09.16.7857000`

Property Details

APN / Parcel Number

Primary APN	`5383.09.16.7857000`
Alternative APNs	`539681` `25676`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,539 sqft Heated Area
Gross Area	1,368 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Foundation Type	Pile
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,524 sqft (0.563 acres)
Lot Dimensions	181 ft deep x 131 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Slab
Porch Area	152 sqft
Deck Area	84 sqft
Utility Building	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	25676
Street Address	210 STROUD ST
City	EMERALD ISLE
State	NC
Zip	28594-2477
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L9 S1 OSPREY RIDGE
Legal Subdivision	OSPREY RIDGE
Legal Block	16
Legal Lot Number	9
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2043
Census Tract	970904

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	210 STROUD ST, EMERALD ISLE, NC 28594-2477
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage · VA Mortgage STEARNS LENDING LLC
Jul 8, 2019	Warranty Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2019 · Amount on Record
Deed Sale	Jul 8, 2019 · Amount on Record
Prior Sale	May 3, 2012 · Amount on Record
Deed Document Number	20191642385
Deed Book / Page	1642 / 385
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	210 STROUD ST, EMERALD ISLE, NC 28594-2477
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016800285
Date	Jul 27, 2020
Book Page	1680/285
Instrument	1680285

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 8, 2019
Property Address	210 STROUD ST, EMERALD ISLE, NC 28594-2477
Document Number	0016420385
Book / Page	1642 / 385
Map Reference	MB 28 PG 5
Instrument Date	Jul 8, 2019
Instrument	1642385
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7445 ANSLEY PARK WAY, 7445, CUMMING, GA 30028-4185

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Al (and Others)
Address	210 STROUD ST, EMERALD ISLE, NC 28594-2477

Mortgage

Document Number	1642386
Date	Jul 8, 2019
Instrument	1642-386

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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		$717,328 (+9.86%) Land $299,465 Building $417,863	$717,328 (+9.86%) Land $299,465 Building $417,863
2025	$2,587.00 (+16.43%)	$652,937 (+63.04%) Land $299,465 Building $353,472	$652,937 (+63.04%) Land $299,465 Building $353,472
2023		$400,486 Land $219,804 Building $180,682	$400,486 Land $219,804 Building $180,682
2022	$2,222.00

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

Flood

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 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	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

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

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