315 Shipwreck Ln, Emerald Isle, NC 28594 Property Records

Carteret County property record for 315 Shipwreck Ln, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,330 sqft · built 1998
Lot Size	0.377 acres (16,422 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Oct 2020)
Tax Bill	$2,838 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5373.12.75.8610000`

Property Details

APN / Parcel Number

Primary APN	`5373.12.75.8610000`
Alternative APNs	`106873` `28891`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,330 sqft Heated Area
Gross Area	2,138 sqft
1st Floor Area	1,330 sqft
Utility Area	98 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	16,422 sqft (0.377 acres)
Lot Dimensions	205 ft deep x 81 ft wide

Exterior Amenities

Pool Area	240 sqft
Porch	Slab
Porch Area	410 sqft
Deck Area	75 sqft
Utility Building	39 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	28891
Street Address	315 SHIPWRECK LN
City	EMERALD ISLE
State	NC
Zip	28594-2365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L6 SPINNAKERS REACH P3
Legal Subdivision	SPINNAKERS REACH
Legal Block	75
Legal Lot Number	6
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2000
Census Tract	970904

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	200 S DAWSON ST, 402, RALEIGH, NC 27601-1366
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2019	Deed of Trust, Mortgage · Line of Credit BLUEHARBOR BANK
Oct 16, 2020	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Oct 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on File
Deed Sale	Oct 16, 2020 · Amount on File
Prior Sale	Dec 5, 2011 · Amount on File
Deed Document Number	20201691496
Deed Book / Page	1691 / 496
Prior Transfer Date	Sep 28, 2018
Prior Transfer Doc	0016210036
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	315 SHIPWRECK LN, EMERALD ISLE, NC 28594-2365
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016570351
Date	Dec 13, 2019
Book Page	1657/351
Instrument	1657351

Lender

Name	BLUEHARBOR BANK
Type	Bank
Address	STATESVILLE, NC 28687

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Oct 16, 2020
Property Address	315 SHIPWRECK LN, EMERALD ISLE, NC 28594-2365
Document Number	0016910496
Book / Page	1691 / 496
Map Reference	MB 28 PG 892
Instrument Date	Aug 13, 2020
Instrument	1691496
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	745 SAINT ANDREWS RD, 745, STATESVILLE, NC 28625-4600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2514 KENSINGTON AVE, RICHMOND, VA 23220-3314

Mortgage

Document Number	1691497
Date	Oct 16, 2020
Instrument	1691-497

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARTERET NC
Recording Date	Oct 12, 2018
Property Address	315 SHIPWRECK LN, EMERALD ISLE, NC 28594-2365
Document Number	0016210036
Book / Page	001621 / 000036
Instrument Date	Sep 28, 2018
Transaction Type	Transfer
Record Updated	Oct 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	315 S WEDGEWOOD DR WASHINGTON NC 278899290, WASHINGTON, NC 27889-9290

Tax Assessment & Valuation

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		$728,979 (-) Land $404,790 Building $324,189	$728,979 (-) Land $404,790 Building $324,189
2025	$2,838.00 (+50.08%)	$728,979 (+119.4%) Land $404,790 Building $324,189	$728,979 (+119.4%) Land $404,790 Building $324,189
2023		$332,257 Land $152,292 Building $179,965	$332,257 Land $152,292 Building $179,965
2022	$1,891.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% 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 123 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: Verizon.

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