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3804 Emerald Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 3804 Emerald Dr, Emerald Isle, NC 28594 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 5,924 sqft · built 2025
Lot Size0.542 acres (23,610 sqft)
OwnerIndividual Name on File
Last Sale$1,250,000 (May 2026)
Tax Bill$5,400 (2025)
Deeds & MortgagesMay 2026 Sale & Mortgage
Jun 2024 Sale
Flood ZoneZone X (minimal risk)
APN6314.13.03.3234000

Property Details

APN / Parcel Number

Primary APN6314.13.03.3234000
Alternative APNs
  • 21245
  • 3866

Interior

Bedrooms4 Beds
Full Baths4 Baths
Building Area5,924 sqft Heated Area
Gross Area8,220 sqft

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Exterior MaterialFiber Cement Siding
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area23,610 sqft (0.542 acres)
Lot Dimensions315 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number21245
Street Address3804 EMERALD DR
CityEMERALD ISLE
StateNC
Zip28594
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionL4 SB B17 EMERALD ISLE
Legal SubdivisionEMERALD ISLE BY THE SEA
Legal Block03
Legal Lot Number4
JurisdictionCARTERET NC
Township / Civil DivisionWHITE OAK
Census Block Group1
Census Block1079
Census Tract970903

Owner

Source: Carteret County records · APN 6314.13.03.3234000

Assessment roll updated November 24, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address7816 SAINT ANNES WAY, FUQUAY VARINA, NC 27526-9437
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 21, 2026Warranty Deed · Conventional Mortgage
TRUST BANK
Jun 12, 2024Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 21, 2026 · Amount on Record
Deed SaleMay 21, 2026 · Amount on Record
Prior SaleJun 12, 2024 · Amount on Record
Deed Document Number20261886328
Deed Book / Page1886 / 328
Record UpdatedSep 20, 2026

May 2026: Warranty Deed

Document TypeWarranty Deed
JurisdictionCARTERET NC
Recording DateMay 21, 2026
Property Address3804 EMERALD DR, EMERALD ISLE, NC 28594
Document Number0001886328
Book / Page1886 / 328
Instrument DateMay 12, 2026
Instrument20261886328
Record UpdatedJun 01, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$252,500.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7816 SAINT ANNES WAY, FUQUAY VARINA, NC 27526-9437

Mortgage

Document Number0001886329,
DateMay 21, 2026
Instrument20261886329
Lender
NameTRUST BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 01, 2041
Interest
Rate TypeFixed Rate
Rate5.74%
Initial TypeFixed Rate
Max Rate-1%

June 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCARTERET NC
Recording DateJun 12, 2024
Property Address3804 EMERALD DR, EMERALD ISLE, NC 28594
Document Number0018290185
Book / Page1829 / 185
Instrument DateJun 12, 2024
Instrument1829185
Transaction TypeTransfer
Record UpdatedNov 24, 2025

Transaction

AmountAmount Recorded
Tax$1,460.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3721 ASHFORD PL, GREENVILLE, NC 27858-6525

Transferred To (Grantee/Buyer)

NameVerified Name
Address706 BECKWITH DR, GREENSBORO, NC 27410-5382

Tax Assessment & Valuation

Source: Carteret County records · Assessment roll updated November 24, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCarteret County
MunicipalityEmerald Isle Town
Unified School DistrictCarteret County Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,400.00 (+163.54%)$1,505,268 (+256.3%) Land $705,884 Building $799,384$1,505,268 (+256.3%) Land $705,884 Building $799,384
2023$422,475 Land $422,475$422,475 Land $422,475
2022$2,049.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carteret County (37031C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370319709031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 760 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies965 units insured
205 under condo master policies
Nearby Flood Claims1,172 (1982–2024)
Claims Outside the SFHA778 of 1,172
Most Recent ClaimSep 2024, tidal / storm surge, Tropical Storm Helene
Claims By Storm
  • Hurricane Florence, Sep 2018 · 183 claims
  • Hurricane Floyd Major Disaster Declarations, Oct 1999 · 244 claims
  • Hurricane Fran, Sep 1996 · 194 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 215 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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