321 Cape Fear Loop, Emerald Isle, NC 28594 Property Records

Carteret County property record for 321 Cape Fear Loop, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,680 sqft · built 1995
Lot Size	0.311 acres (13,547 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Apr 2020)
Tax Bill	$3,293 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Nov 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`5373.12.96.5846000`

Property Details

APN / Parcel Number

Primary APN	`5373.12.96.5846000`
Alternative APNs	`462682` `31412`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,680 sqft Heated Area
Gross Area	1,254 sqft
Utility Area	70 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1996
Exterior Material	Fiber Cement Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,547 sqft (0.311 acres)
Lot Dimensions	174 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Deck Area	48 sqft
Patio Area	464 sqft
Utility Building	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	31412
Street Address	321 CAPE FEAR LOOP
City	EMERALD ISLE
State	NC
Zip	28594-1812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L8 BD PT1 CAPE EMERALD
Legal Subdivision	CAPE EMERALD
Legal Block	96
Legal Lot Number	8,1
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2043
Census Tract	970904

Owner

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

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 Record
Mailing Address	321 CAPE FEAR LOOP, EMERALD ISLE, NC 28594-1812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2020	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Nov 2, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2020 · Amount on Record
Deed Sale	Apr 15, 2020 · Amount on Record
Prior Sale	Nov 2, 2018 · Amount on Record
Deed Document Number	20201669115
Deed Book / Page	1669 / 115
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Apr 15, 2020
Property Address	321 CAPE FEAR LOOP, EMERALD ISLE, NC 28594-1812
Document Number	0016690115
Book / Page	001669 / 000115
Instrument Date	Apr 8, 2020
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	316 CAPE FEAR LOOP EMERALD ISLE NC 285941811, EMERALD ISLE, NC 28594-1811

Mortgage

Document Number	16690116
Date	Apr 15, 2020
Book Page	001669/000116

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Nov 2, 2018
Property Address	321 CAPE FEAR LOOP, EMERALD ISLE, NC 28594-1812
Document Number	0016220296
Book / Page	001622 / 000296
Instrument Date	Nov 2, 2018
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$720.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5753 HIGHWAY 85 N CRESTVIEW FL 325369365, CRESTVIEW, FL 32536-9365

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		$911,955 (-) Land $506,584 Building $405,371	$911,955 (-) Land $506,584 Building $405,371
2025	$3,293.00 (+61.42%)	$911,955 (+151.23%) Land $506,584 Building $405,371	$911,955 (+151.23%) Land $506,584 Building $405,371
2023		$363,002 Land $223,687 Building $139,315	$363,002 Land $223,687 Building $139,315
2022	$2,040.00

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 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

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 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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