Carteret County property record for 2202 Emerald Dr, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,320 sqft · built 1991 |
| Lot Size | 0.377 acres (16,422 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $950,000 (Mar 2023) |
| Tax Bill | $3,336 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6314.15.64.4271000 |
| Primary APN | 6314.15.64.4271000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Heated Area |
| Gross Area | 1,424 sqft |
| 1st Floor Area | 400 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Foundation Type | Pile |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,422 sqft (0.377 acres) |
| Lot Dimensions | 210 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 920 sqft |
| Carport | Carport |
| Carport Area | 920 sqft |
| Deck Area | 18 sqft |
| Utility Building | 168 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 29610 |
|---|---|
| Street Address | 2202 EMERALD DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-6625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L34 S2 ISLAND SHORE |
| Legal Subdivision | ISLAND SHORE |
| Legal Block | 64 |
| Legal Lot Number | 34 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1079 |
| Census Tract | 970903 |
2202 Emerald Dr is owned by two individuals who bought it in March 2023.
Source: Carteret County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10616 LORAIN AVE, SILVER SPRING, MD 20901-1510 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Dec 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2023 · Amount on File |
| Deed Sale | Mar 17, 2023 · Amount on File |
| Prior Sale | Oct 15, 2001 · Amount on File |
| Deed Document Number | 20231794189 |
| Deed Book / Page | 1794 / 189 |
| Prior Transfer Date | Mar 1, 2023 |
| Prior Transfer Doc | 0017940189 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Mar 17, 2023 |
| Property Address | 2202 EMERALD DR, EMERALD ISLE, NC 28594-6625 |
| Document Number | 0017940189 |
| Book / Page | 1794 / 189 |
| Instrument Date | Mar 1, 2023 |
| Instrument | 1794189 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,900.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 506 WYOLA FAWN ROAD #1061610616, 1061610616, NEWTOWN SQUARE, PA 19073 |
| Name | Verified Name |
|---|---|
| Address | 10616 LORAINAVENUE, NEWTOWN SQUARE, PA 19073 |
| Document Number | 0001794190 |
|---|---|
| Date | Mar 17, 2023 |
| Instrument | 1794-190 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 2202 EMERALD DR, EMERALD ISLE, NC 28594-6625 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|
| Document Number | 0016560348 |
|---|---|
| Date | Dec 4, 2019 |
| Book Page | 1656/348 |
| Instrument | 1656348 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 2202 Emerald Dr was $3,336.
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 | $879,837 (-) Land $522,126 Building $357,711 | $879,837 (-) Land $522,126 Building $357,711 | |
| 2025 | $3,336.00 | $879,837 Land $522,126 Building $357,711 | $879,837 Land $522,126 Building $357,711 |
| 2023 | $457,110 Land $327,862 Building $129,248 | $457,110 Land $327,862 Building $129,248 | |
| 2022 | $2,496.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2202 Emerald Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 2202 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 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.
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 42 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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