2610 Emerald Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 2610 Emerald Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,846 sqft · built 1991
Lot Size	0.447 acres (19,471 sqft)
Owner	2 Individual Names on File
Last Sale	$1,475,000 (Jun 2026)
Tax Bill	$4,012 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6314.14.43.2797000`

Property Details

APN / Parcel Number

Primary APN	`6314.14.43.2797000`
Alternative APNs	`536162` `24516`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,846 sqft Heated Area
Gross Area	2,820 sqft
1st Floor Area	14 sqft
Basement Area	1,102 sqft
Finished Basement	661 sqft
Unfinished Basement	441 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	19,471 sqft (0.447 acres)
Lot Dimensions	176 ft deep x 20 ft wide
Deck Area	308 sqft
Patio Area	540 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	24516
Street Address	2610 EMERALD DR
City	EMERALD ISLE
State	NC
Zip	28594-6523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L32 OCEAN REEF
Legal Subdivision	OCEAN REEF
Legal Block	43
Legal Lot Number	32
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1079
Census Tract	970903

Owner

2610 Emerald Dr is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2610 EMERALD DR, EMERALD ISLE, NC 28594-6523
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
Jun 22, 2026	Warranty Deed, Transfer · Conventional Mortgage EMPOWER FEDERAL CREDIT UNION
May 18, 2026	Deed of Trust, Mortgage · Line of Credit OSGOOD STATE BANK
Jan 19, 2021	Warranty Deed, Transfer · Line of Credit UBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2026 · Amount on File
Deed Sale	Jun 22, 2026 · Amount on File
Prior Sale	Jan 19, 2021 · Amount on File
Deed Document Number	20261889149
Deed Book / Page	1889 / 149
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jun 22, 2026
Property Address	2610 EMERALD DR, EMERALD ISLE, NC 28594-6523
Document Number	0001889149
Book / Page	1889 / 149
Instrument Date	Jun 18, 2026
Instrument	20261889149
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2610 EMERALD DR, EMERALD ISLE, NC 28594-6523

Mortgage

Document Number	0001889150,
Date	Jun 22, 2026
Instrument	20261889150

Lender

Name	EMPOWER FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.72%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Recording Date	May 18, 2026
Property Address	2610 EMERALD DR, EMERALD ISLE, NC 28594-6523
Document Number	0001886103
Book / Page	1886 / 103
Instrument Date	May 18, 2026
Instrument	20261886103
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	1310 E ARLINGTON BLVD, GREENVILLE, NC 27858-9936

Mortgage

Document Number	0001886103,
Date	May 18, 2026
Book Page	1886/103
Instrument	20261886103

Lender

Name	OSGOOD STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jan 19, 2021
Property Address	2610 EMERALD DR, EMERALD ISLE, NC 28594-6523
Document Number	0017040329
Book / Page	1704 / 329
Map Reference	MB 22 PG 73
Instrument Date	Jan 15, 2021
Instrument	1704329
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 BUCKINGHAM DR, WINTERVILLE, NC 28590-9419
Investor	Possibly a Property Investor

Mortgage

Document Number	1704330
Date	Jan 19, 2021
Instrument	1704-330

Lender

Name	UBANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Mortgage

Document Number	0017040332
Date	Jan 19, 2021
Book Page	1704/332
Instrument	1704332

Lender

Name	RONALD SHRERAN ETUX
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Jan 15, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 2610 Emerald Dr was $4,012.

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		$1,084,720 (-) Land $457,265 Building $627,455	$1,084,720 (-) Land $457,265 Building $627,455
2025	$4,012.00	$1,084,720 Land $457,265 Building $627,455	$1,084,720 Land $457,265 Building $627,455
2023		$631,908 Land $268,982 Building $362,926	$631,908 Land $268,982 Building $362,926
2022	$3,344.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2610 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 VE, 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	Hurricane Florence, Sep 2018 · 183 claims Hurricane Floyd Major Disaster Declarations, Oct 1999 · 244 claims Hurricane Fran, Sep 1996 · 194 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 2610 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.

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 102 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Emerald Dr

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