315 Cape Lookout Loop, Emerald Isle, NC 28594 Property Records

Carteret County property record for 315 Cape Lookout Loop, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,424 sqft · built 2005
Lot Size	0.287 acres (12,545 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (May 2003)
Tax Bill	$3,493 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`5383.09.06.2612000`

Property Details

APN / Parcel Number

Primary APN	`5383.09.06.2612000`
Alternative APNs	`362139` `63163`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,424 sqft Heated Area
Gross Area	2,200 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Other
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,545 sqft (0.287 acres)
Lot Dimensions	153 ft deep x 82 ft wide

Exterior Amenities

Porch	Porch
Porch Area	488 sqft
Deck Area	12 sqft
Utility Building	235 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	63163
Street Address	315 CAPE LOOKOUT LOOP
City	EMERALD ISLE
State	NC
Zip	28594-1814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMH
Legal Description	L7 BB PART 1 CAPE EMERALD
Legal Subdivision	CAPE EMERALD
Legal Block	B
Legal Lot Number	7,1
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2045
Census Tract	970904

Owner

Source: Carteret County records · APN 5383.09.06.2612000

Assessment roll updated January 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	315 CAPE LOOKOUT LOOP, EMERALD ISLE, NC 28594-1814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 08, 2003 · Amount on Record
Deed Sale	May 08, 2003 · Amount on Record
Deed Document Number	0000099340
Record Updated	Jun 08, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	315 CAPE LOOKOUT LOOP, EMERALD ISLE, NC 28594-1814
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015890206
Date	Oct 06, 2017
Book Page	1589/206
Instrument	1589206

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SWANSBORO, NC 28584

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Carteret County records · Assessment roll updated January 1, 2025 · Last verified December 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

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	$3,493.00 (+35.81%)	$927,280 (+96.16%) Land $290,164 Building $637,116	$927,280 (+96.16%) Land $290,164 Building $637,116
2023		$472,723 Land $200,604 Building $272,119	$472,723 Land $200,604 Building $272,119
2022	$2,572.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Florence, Sep 2018 · 68 claims Hurricane Irene, Aug 2011 · 2 claims Hurricane Ophelia, Sep 2005 · 4 claims

Wildfire

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.03% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Based on FCC filings for 323 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	BOGUE BANKS WATER CORPORATION private · serves 4,995 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.