Carteret County property record for 311 Cape Lookout Loop, Emerald Isle, NC 28594 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,704 sqft · built 1997 |
| Lot Size | 0.299 acres (13,024 sqft) |
| Owner | Company Name on File |
| Last Sale | $635,000 (Dec 2022) |
| Tax Bill | $2,638 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5383.09.06.2457000 |
| Primary APN | 5383.09.06.2457000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,704 sqft Heated Area |
| Gross Area | 1,928 sqft |
| 1st Floor Area | 384 sqft |
| Basement Area | 768 sqft |
| Finished Basement | 384 sqft |
| Unfinished Basement | 384 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,024 sqft (0.299 acres) |
| Lot Dimensions | 154 ft deep x 82 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 64 sqft |
| Patio Area | 212 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 78391 |
|---|---|
| Street Address | 311 CAPE LOOKOUT LOOP |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-1814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L5 BB PART 1 CAPE EMERALD |
| Legal Subdivision | CAPE EMERALD |
| Legal Block | 06 |
| Legal Lot Number | 5,1 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 970904 |
Source: Carteret County records · APN 5383.09.06.2457000
Assessment roll updated November 24, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 280 SUMAC CIR, MORGANTOWN, WV 26508-5249 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Dec 06, 2022 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Feb 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 20, 2018 | Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 06, 2022 · Amount on Record |
| Deed Sale | Dec 06, 2022 · Amount on Record |
| Prior Sale | Nov 20, 2018 · Amount on Record |
| Deed Document Number | 20221786314 |
| Deed Book / Page | 1786 / 314 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Dec 06, 2022 |
| Property Address | 311 CAPE LOOKOUT LOOP, EMERALD ISLE, NC 28594-1814 |
| Document Number | 0017860314 |
| Book / Page | 1786 / 314 |
| Map Reference | MB 24 PG 90&91 |
| Instrument Date | Nov 22, 2022 |
| Instrument | 1786314 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,270.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 280 SUMAC CIR, MORGANTOWN, WV 26508-5249 |
| Document Number | 0001786315 |
|---|---|
| Date | Dec 06, 2022 |
| Instrument | 1786-315 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 01, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.5% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 311 CAPE LOOKOUT LOOP, EMERALD ISLE, NC 28594-1814 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017060179 |
|---|---|
| Date | Feb 01, 2021 |
| Book Page | 1706/179 |
| Instrument | 1706179 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Nov 20, 2018 |
| Property Address | 311 CAPE LOOKOUT LOOP, EMERALD ISLE, NC 28594-1814 |
| Document Number | 0016230489 |
| Book / Page | 1623 / 489 |
| Map Reference | MB24 PG90&91 |
| Instrument Date | Oct 30, 2018 |
| Instrument | 1623489 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $598.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 311 CAPE LOOKOUT LOOP, 311, EMERALD ISLE, NC 28594-1814 |
| Name | Verified Name |
|---|---|
| Address | 311 CAPE LOOKOUT LOOP, EMERALD ISLE, NC 28594-1814 |
| Document Number | 1623490 |
|---|---|
| Date | Nov 20, 2018 |
| Instrument | 1623-490 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.56% |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 3.56% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 9.25% |
Source: Carteret County records · Assessment roll updated November 24, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Municipality | Emerald Isle Town |
| Unified School District | Carteret County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,638.00 (+40.54%) | $668,374 (+102.91%) Land $308,576 Building $359,798 | $668,374 (+102.91%) Land $308,576 Building $359,798 |
| 2023 | $329,396 Land $155,144 Building $174,252 | $329,396 Land $155,144 Building $174,252 | |
| 2022 | $1,877.00 |
Source: FEMA National Flood Hazard Layer, Carteret County (37031C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370319709042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 604 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1,140 units insured 536 under condo master policies |
| Nearby Flood Claims | 86 (1996–2024) |
| Claims Outside the SFHA | 27 of 86 |
| Most Recent Claim | Sep 2024, rainfall accumulation, Potential Tropical Cyclone Eight |
| Claims By Storm |
|
| Wildfire Risk | Low above 36% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 3,448 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 323 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures