3704 Emerald Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 3704 Emerald Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,084 sqft · built 1998
Lot Size	0.552 acres (24,045 sqft)
Owner	Individual Name on Record
Last Sale	$1,050,000 (Oct 2020)
Tax Bill	$5,891 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6314.13.03.6249000`

Property Details

APN / Parcel Number

Primary APN	`6314.13.03.6249000`
Alternative APNs	`335712` `29671`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,084 sqft Heated Area
Gross Area	2,630 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Contemporary
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,045 sqft (0.552 acres)
Lot Dimensions	252 ft deep x 75 ft wide

Exterior Amenities

Pool Area	240 sqft
Porch	Slab
Porch Area	346 sqft
Deck Area	63 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	29671
Street Address	3704 EMERALD DR
City	EMERALD ISLE
State	NC
Zip	28594-3805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L68 B16 EMERALD ISLE
Legal Subdivision	EMERALD ISLE BY THE SEA
Legal Block	03
Legal Lot Number	68
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1079
Census Tract	970903

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	Individual Name on Record
Mailing Address	287 PINE TRL, HENDERSON, NC 27537-6666
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2018	Deed of Trust, Mortgage · ARM FIRST CITIZENS BANK & TRUST CO
Oct 14, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTH STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2020 · Amount on Record
Deed Sale	Oct 14, 2020 · Amount on Record
Prior Sale	Sep 16, 2011 · Amount on Record
Deed Document Number	20201691354
Deed Book / Page	1691 / 353
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	3704 EMERALD DR, EMERALD ISLE, NC 28594-3805
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016230175
Date	Nov 13, 2018
Book Page	1623/175
Instrument	1623175

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.5%
Index	1-Year LIBOR
Max Rate	9.5%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Oct 14, 2020
Property Address	3704 EMERALD DR, EMERALD ISLE, NC 28594-3805
Document Number	0016910353
Book / Page	1691 / 353
Map Reference	MB 8 PG 98
Instrument Date	Oct 8, 2020
Instrument	1691354
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	918 DOMINION HILL DR, 918, CARY, NC 27519-9347

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	287 PINE TRL, HENDERSON, NC 27537-6666

Mortgage

Document Number	1691354
Date	Oct 14, 2020
Instrument	1691-354

Lender

Name	NORTH STATE BANK
Type	Bank

Agreement

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

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		$1,653,965 (-) Land $637,594 Building $1,016,371	$1,653,965 (-) Land $637,594 Building $1,016,371
2025	$5,891.00 (+37.22%)	$1,653,965 (+99.85%) Land $637,594 Building $1,016,371	$1,653,965 (+99.85%) Land $637,594 Building $1,016,371
2023		$827,590 Land $408,292 Building $419,298	$827,590 Land $408,292 Building $419,298
2022	$4,293.00

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 760 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	965 units insured incl. 205 condo units
Nearby Flood Claims	1,172 (1982–2024)
Claims Outside the SFHA	778 of 1,172
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Hurricane Florence, Sep 2018 · 183 claims Hurricane Floyd Major Disaster Declarations, Oct 1999 · 244 claims Hurricane Fran, Sep 1996 · 194 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	Not rated no burnable land within 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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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