304 S 13th St, Morehead City, NC 28557 Property Records

Carteret County property record for 304 S 13th St, Morehead City, NC 28557

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,252 sqft · built 1997
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Jan 2021)
Tax Bill	$4,498 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`6386.18.40.8791000`

Property Details

APN / Parcel Number

Primary APN	`6386.18.40.8791000`
Alternative APNs	`547385` `31522`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,252 sqft Heated Area
Gross Area	1,416 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1998
Architectural Style	Contemporary
Exterior Material	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Slab
Porch Area	547 sqft
Deck Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	31522
Street Address	304 S 13TH ST
City	MOREHEAD CITY
State	NC
Zip	28557-4118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L16 B105 MOREHEAD CITY
Legal Subdivision	MOREHEAD CITY
Legal Block	40
Legal Lot Number	16
Jurisdiction	CARTERET NC
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2071
Census Tract	970403

Owner

304 S 13th St is owned by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3018 CAMBRIDGE RD, RALEIGH, NC 27608-1144
Owner Type	Individual
Vesting	Et Ux (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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2021 · Amount on File
Deed Sale	Jan 29, 2021 · Amount on File
Deed Document Number	20211706112
Deed Book / Page	1706 / 112
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jan 29, 2021
Property Address	304 S 13TH ST, MOREHEAD CITY, NC 28557-4118
Document Number	0017060112
Book / Page	1706 / 112
Map Reference	MB 1 PG 139
Instrument Date	Jan 29, 2021
Instrument	1706112
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3018 CAMBRIDGE RD, RALEIGH, NC 27608-1144

Mortgage

Document Number	0001706113
Date	Jan 29, 2021
Instrument	1706-113

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 304 S 13th St was $4,498.

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Morehead City Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$775,393 (-) Land $267,375 Building $508,018	$775,393 (-) Land $267,375 Building $508,018
2025	$4,498.00	$775,393 Land $267,375 Building $508,018	$775,393 Land $267,375 Building $508,018
2023		$409,139 Land $230,625 Building $178,514	$409,139 Land $230,625 Building $178,514
2022	$1,365.00

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

Flood

FEMA maps place 304 S 13th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 140 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	198 units insured incl. 58 condo units
Nearby Flood Claims	60 (1985–2022)
Claims Outside the SFHA	19 of 60
Most Recent Claim	Jan 2022 · tidal / storm surge
Claims by Event	Hurricane Florence, Sep 2018 · 25 claims Hurricane Fran, Sep 1996 · 7 claims Hurricane Bertha, Jul 1996 · 7 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

The area around 304 S 13th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	TOWN OF MOREHEAD CITY serves 18,846 people · EPA ID NC0416015
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 463 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20