309 Cedar St, Emerald Isle, NC 28594 Property Records

Carteret County property record for 309 Cedar St, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,330 sqft · built 1972
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,422 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`5393.05.19.7415000`

Property Details

APN / Parcel Number

Primary APN	`5393.05.19.7415000`
Alternative APNs	`86122` `39939`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,330 sqft Heated Area
Gross Area	2,846 sqft
1st Floor Area	2,330 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	132 ft deep x 135 ft wide

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	40 sqft
Patio Area	13 sqft
Shed	1 Shed
Shed Area	400 sqft
Lean-To	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	39939
Street Address	309 CEDAR ST
City	EMERALD ISLE
State	NC
Zip	28594-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L5 PART L6 BD OCEAN FOREST
Legal Subdivision	OCEAN FOREST S/D
Legal Block	19
Legal Lot Number	5-6
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1004
Census Tract	970904

Owner

309 Cedar St is owned and occupied by two individuals who acquired it in December 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	309 CEDAR ST, EMERALD ISLE, NC 28594-2804
Occupancy	Owner Occupied
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

Date	Document
Feb 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Nov 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Nov 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Dec 21, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 17, 2010
Transfer Doc	0013650285
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	309 CEDAR ST, EMERALD ISLE, NC 28594-2804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016000242
Date	Feb 20, 2018
Book Page	1600/242
Instrument	1600242

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	309 CEDAR ST, EMERALD ISLE, NC 28594-2804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015920447
Date	Nov 14, 2017
Book Page	1592/447
Instrument	1592-447

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2037

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	309 CEDAR ST, EMERALD ISLE, NC 28594-2804
Document Number	0016230030
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Nov 27, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	309 CEDAR ST EMERALD ISLE NC 285942804, EMERALD ISLE, NC 28594-2804

Mortgage

Document Number	0016230030
Date	Nov 8, 2018
Book Page	001623/000030

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 7, 2048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARTERET NC
Recording Date	Dec 21, 2017
Property Address	309 CEDAR ST, EMERALD ISLE, NC 28594-2804
Document Number	0015960004
Book / Page	001596 / 000004
Instrument Date	Nov 30, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	309 CEDAR ST EMERALD ISLE NC 285942804, EMERALD ISLE, NC 28594-2804

Tax Assessment & Valuation

The 2025 property tax bill for 309 Cedar St was $2,422.

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		$602,793 (-) Land $222,014 Building $380,779	$602,793 (-) Land $222,014 Building $380,779
2025	$2,422.00	$602,793 Land $222,014 Building $380,779	$602,793 Land $222,014 Building $380,779
2023		$333,543 Land $117,045 Building $216,498	$333,543 Land $117,045 Building $216,498
2022	$1,897.00

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

Flood

FEMA maps place 309 Cedar St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 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	Hurricane Florence, Sep 2018 · 16 claims Hurricane Ophelia, Sep 2005 · 2 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 309 Cedar St 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 441 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Brightspeed.

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