Carteret County property record for 303 Spell Dr, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,684 sqft · built 2021 |
| Lot Size | 0.199 acres (8,668 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (May 2012) |
| Tax Bill | $2,236 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5383.08.89.0153000 |
| Primary APN | 5383.08.89.0153000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,684 sqft Heated Area |
| Gross Area | 2,114 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Foundation Type | Pile |
| Roof Type | Gambrel |
| Roof Material | Composition Shingle |
| Lot Area | 8,668 sqft (0.199 acres) |
| Lot Dimensions | 120 ft deep x 75 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Slab |
| Deck Area | 25 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 44652 |
|---|---|
| Street Address | 303 SPELL DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-2546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L2 BK EMERALD ISLE |
| Legal Subdivision | EMERALD ISLE |
| Legal Block | 89 |
| Legal Lot Number | 2 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 970904 |
303 Spell Dr is owned and occupied by two individuals who bought it in May 2012.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 303 SPELL DR, EMERALD ISLE, NC 28594-2546 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2012 · Amount on File |
| Deed Sale | May 23, 2012 · Amount on File |
| Prior Sale | Sep 21, 2011 · Amount on File |
| Deed Document Number | 20121409426 |
| Deed Book / Page | 1409 / 426 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 303 SPELL DR, EMERALD ISLE, NC 28594-2546 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0017080065 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 1708/65 |
| Instrument | 1708065 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 303 Spell Dr was $2,236.
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 | $546,581 (-) Land $295,235 Building $251,346 | $546,581 (-) Land $295,235 Building $251,346 | |
| 2025 | $2,236.00 | $546,581 Land $295,235 Building $251,346 | $546,581 Land $295,235 Building $251,346 |
| 2023 | $307,631 Land $90,720 Building $216,911 | $307,631 Land $90,720 Building $216,911 | |
| 2022 | $742.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 303 Spell Dr in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1996.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 93 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 93 in force |
| Nearby Flood Claims | 21 (1996–2018) |
| Claims Outside the SFHA | 4 of 21 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| 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 303 Spell 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 398 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Brightspeed, Verizon.
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