325 Shipwreck Ln, Emerald Isle, NC 28594 Property Records

Carteret County property record for 325 Shipwreck Ln, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,051 sqft · built 2005
Lot Size	0.778 acres (33,890 sqft)
Owner	Company Name on Record
Last Sale	$1,237,000 (Feb 2024)
Tax Bill	$4,498 (2025)
Deeds & Mortgages	Feb 2024 Sale Jul 2021 Sale & Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`5373.11.75.4634000`

Property Details

APN / Parcel Number

Primary APN	`5373.11.75.4634000`
Alternative APNs	`550953` `70056`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,051 sqft Heated Area
Gross Area	1,778 sqft
1st Floor Area	6 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	Pile
Roof Type	Gable
Roof Material	Metal
Lot Area	33,890 sqft (0.778 acres)
Lot Dimensions	269 ft deep x 138 ft wide

Exterior Amenities

Pool Area	160 sqft
Porch	Slab
Porch Area	60 sqft
Deck Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70056
Street Address	325 SHIPWRECK LN
City	EMERALD ISLE
State	NC
Zip	28594-2365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L1 SPINNAKERS REACH P3
Legal Subdivision	SPINNAKERS REACH
Legal Block	75
Legal Lot Number	1
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2038 STATON MILL RD, STOKES, NC 27884-9688
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Warranty Deed, Transfer
Jul 8, 2021	Warranty Deed, Transfer · Line of Credit FIRST BANK
Jan 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2024 · Amount on Record
Deed Sale	Feb 8, 2024 · Amount on Record
Prior Sale	Jul 8, 2021 · Amount on Record
Deed Document Number	20241819206
Deed Book / Page	1819 / 206
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Feb 7, 2024
Property Address	325 SHIPWRECK LN, EMERALD ISLE, NC 28594-2365
Document Number	0018190206
Book / Page	1819 / 206
Map Reference	MB 28 PG 892
Instrument Date	Feb 6, 2024
Instrument	1819206
Transaction Type	Transfer
Record Updated	Feb 21, 2024

Transaction

Amount	Amount Recorded
Tax	$2,474.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	885 LYNCHBURG DR, JACKSONVILLE, NC 28546-6030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2038 STORTON MILL RD, STOKES, NC 27884

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 8, 2021
Property Address	325 SHIPWRECK LN, EMERALD ISLE, NC 28594-2365
Document Number	0017290347
Book / Page	1729 / 347
Map Reference	MB 28 PG 892
Instrument Date	Jul 3, 2021
Instrument	1729347
Transaction Type	Transfer
Record Updated	Jul 20, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15678 SPLIT CREEK DR, 15678, MONUMENT, CO 80132-6043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SHIPWRECK LN, EMERALD ISLE, NC 28594-2365

Mortgage

Document Number	1729348
Date	Jul 8, 2021
Instrument	1729-348

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	325 SHIPWRECK LN, EMERALD ISLE, NC 28594-2365
Document Number	0016600031
Instrument Date	Jan 7, 2020
Transaction Type	Mortgage
Record Updated	Jan 30, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SHIPWRECK LN EMERALD ISLE NC 285942365, EMERALD ISLE, NC 28594-2365

Mortgage

Document Number	0016600031
Date	Jan 10, 2020
Book Page	001660/000031

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 9, 2035

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		$1,231,873 (-) Land $385,020 Building $846,853	$1,231,873 (-) Land $385,020 Building $846,853
2025	$4,498.00 (+38.87%)	$1,231,873 (+101.85%) Land $385,020 Building $846,853	$1,231,873 (+101.85%) Land $385,020 Building $846,853
2023		$610,277 Land $217,108 Building $393,169	$610,277 Land $217,108 Building $393,169
2022	$3,239.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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

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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