324 Cedar St, Emerald Isle, NC 28594 Property Records

Carteret County property record for 324 Cedar St, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1994
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Dec 2018)
Tax Bill	$2,617 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5394.17.10.7066000`

Property Details

APN / Parcel Number

Primary APN	`5394.17.10.7066000`
Alternative APNs	`407970` `23231`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Heated Area
Gross Area	1,600 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
Lot Dimensions	132 ft deep x 75 ft wide
Porch	Slab
Porch Area	112 sqft
Deck Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	23231
Street Address	324 CEDAR ST
City	EMERALD ISLE
State	NC
Zip	28594-2803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L13 BE OCEAN FOREST
Legal Subdivision	OCEAN FOREST S/D
Legal Block	10
Legal Lot Number	13
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1015
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	1521 W QUEEN ST, EDENTON, NC 27932-9208
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 5, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Dec 5, 2018	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2018 · Amount on Record
Deed Sale	Dec 5, 2018 · Amount on Record
Prior Sale	Oct 14, 2005 · Amount on Record
Deed Document Number	20181625033
Deed Book / Page	1625 / 33
Prior Transfer Date	Sep 17, 2009
Prior Transfer Doc	0013210451
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	324 CEDAR ST, EMERALD ISLE, NC 28594-2803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016840080
Date	Aug 20, 2020
Book Page	1684/80
Instrument	1684080

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Dec 5, 2018
Property Address	324 CEDAR ST, EMERALD ISLE, NC 28594-2803
Document Number	0016250032
Book / Page	001625 / 000032
Instrument Date	Dec 4, 2018
Transaction Type	Transfer
Record Updated	Dec 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CAROLYN CT CARY NC 275114060, CARY, NC 27511-4060

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Dec 5, 2018
Property Address	324 CEDAR ST, EMERALD ISLE, NC 28594-2803
Document Number	0016250033
Book / Page	1625 / 033
Map Reference	MB6 PG3
Instrument Date	Dec 3, 2018
Instrument	1625033
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	518 CAROLYN CT, 518, CARY, NC 27511-4060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1521 W QUEEN ST, EDENTON, NC 27932-9208

Mortgage

Document Number	1625034
Date	Dec 5, 2018
Instrument	1625034

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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		$661,875 (-) Land $247,910 Building $413,965	$661,875 (-) Land $247,910 Building $413,965
2025	$2,617.00 (+63.77%)	$661,875 (+143.53%) Land $247,910 Building $413,965	$661,875 (+143.53%) Land $247,910 Building $413,965
2023		$271,786 Land $134,895 Building $136,891	$271,786 Land $134,895 Building $136,891
2022	$1,598.00

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.03% 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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