332 Cedar St, Emerald Isle, NC 28594 Property Records

Carteret County property record for 332 Cedar St, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,566 sqft · built 1978
Lot Size	0.227 acres (9,888 sqft)
Owner	2 Individual Names on File
Last Sale	$672,000 (Jul 2022)
Tax Bill	$2,536 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5394.17.10.7305000`

Property Details

APN / Parcel Number

Primary APN	`5394.17.10.7305000`
Alternative APNs	`555531` `55935`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,566 sqft Heated Area
Gross Area	1,836 sqft
1st Floor Area	1,476 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,888 sqft (0.227 acres)
Lot Dimensions	132 ft deep x 75 ft wide

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	20 sqft
Shed	1 Shed
Shed Area	192 sqft
Utility Building	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	55935
Street Address	332 CEDAR ST
City	EMERALD ISLE
State	NC
Zip	28594-2803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L17 BE OCEAN FOREST
Legal Subdivision	OCEAN FOREST S/D
Legal Block	10
Legal Lot Number	17
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1015
Census Tract	970904

Owner

332 Cedar St is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	332 CEDAR ST, EMERALD ISLE, NC 28594-2803
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jun 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Sep 30, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on File
Deed Sale	Jul 28, 2022 · Amount on File
Prior Sale	Sep 24, 2001 · Amount on File
Deed Document Number	20221775090
Deed Book / Page	1775 / 90
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 28, 2022
Property Address	332 CEDAR ST, EMERALD ISLE, NC 28594-2803
Document Number	0017750090
Book / Page	1775 / 90
Map Reference	MB 6 PG 3
Instrument Date	Jul 26, 2022
Instrument	1775090
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,344.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5420, EMERALD ISLE, NC 28594-5420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 CEDAR ST, EMERALD ISLE, NC 28594-2803

Mortgage

Document Number	0001775091
Date	Jul 28, 2022
Instrument	1775-091

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	332 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	0016730443
Date	Jun 2, 2020
Book Page	1673/443
Instrument	1673443

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2030

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	332 CEDAR ST, EMERALD ISLE, NC 28594-2803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016890325
Date	Sep 30, 2020
Book Page	1689/325
Instrument	1689325

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 332 Cedar St was $2,536.

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		$637,335 (-) Land $261,187 Building $376,148	$637,335 (-) Land $261,187 Building $376,148
2025	$2,536.00	$637,335 Land $261,187 Building $376,148	$637,335 Land $261,187 Building $376,148
2023		$265,008 Land $134,895 Building $130,113	$265,008 Land $134,895 Building $130,113
2022	$1,565.00

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

Flood

FEMA maps place 332 Cedar St in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1996.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 332 Cedar St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% 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 136 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: Verizon.

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