Carteret County property record for 302 Cape Fear Loop, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,788 sqft · built 1992 |
| Lot Size | 0.293 acres (12,763 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $635,000 (Aug 2026) |
| Tax Bill | $2,686 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5373.12.96.8294000 |
| Primary APN | 5373.12.96.8294000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,788 sqft Heated Area |
| Gross Area | 1,356 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,763 sqft (0.293 acres) |
| Lot Dimensions | 170 ft deep x 79 ft wide |
| Porch | Porch |
| Porch Area | 140 sqft |
| Deck Area | 8 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 30377 |
|---|---|
| Street Address | 302 CAPE FEAR LOOP |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-1811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L3 BC PT1 CAPE EMERALD |
| Legal Subdivision | CAPE EMERALD |
| Legal Block | 96 |
| Legal Lot Number | 3,1 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 970904 |
302 Cape Fear Loop is owned by two individuals who bought it in August 2026.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5961 CAVANAUGH DR, RALEIGH, NC 27614-7300 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Aug 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| Mar 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2026 · Amount on File |
| Deed Sale | Aug 7, 2026 · Amount on File |
| Prior Sale | Aug 22, 2007 · Amount on File |
| Deed Document Number | 20261893328 |
| Deed Book / Page | 1893 / 328 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Aug 7, 2026 |
| Property Address | 302 CAPE FEAR LOOP, EMERALD ISLE, NC 28594-1811 |
| Document Number | 0001893328 |
| Book / Page | 1893 / 328 |
| Instrument Date | Aug 1, 2026 |
| Instrument | 20261893328 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $128,270.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5961 CAVANAUGH DR, RALEIGH, NC 27614-7300 |
| Document Number | 0001893329, |
|---|---|
| Date | Aug 7, 2026 |
| Instrument | 20261893329 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 302 CAPE FEAR LOOP, EMERALD ISLE, NC 28594-1811 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0016660283 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 1666/283 |
| Instrument | 1666283 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 302 Cape Fear Loop was $2,686.
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 | $682,881 (-) Land $315,068 Building $367,813 | $682,881 (-) Land $315,068 Building $367,813 | |
| 2025 | $2,686.00 | $682,881 Land $315,068 Building $367,813 | $682,881 Land $315,068 Building $367,813 |
| 2023 | $354,927 Land $202,650 Building $152,277 | $354,927 Land $202,650 Building $152,277 | |
| 2022 | $2,001.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 302 Cape Fear Loop 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 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 |
|
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 302 Cape Fear Loop 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 | Direct burnable vegetation |
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 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.
5G (outdoors only) and 4G LTE
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