4001 Oak St, Morehead City, NC 28557 Property Records

Carteret County property record for 4001 Oak St, Morehead City, NC 28557

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,187 sqft · built 1982
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Jan 2006)
Tax Bill	$4,676 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Feb 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`6376.17.11.6974000`

Property Details

APN / Parcel Number

Primary APN	`6376.17.11.6974000`
Alternative APNs	`409439` `52101`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,187 sqft Heated Area
Gross Area	2,006 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Exterior Material	Wood
Foundation Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,587 sqft (0.266 acres)
Lot Dimensions	162 ft deep x 75 ft wide
Porch	Porch
Porch Area	687 sqft
Deck Area	46 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	52101
Street Address	4001 OAK ST
City	MOREHEAD CITY
State	NC
Zip	28557-2922
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 DALLAS GOODWIN DIVISION
Legal Subdivision	DALLAS GOODWIN S/D
Legal Block	11
Legal Lot Number	1
Jurisdiction	CARTERET NC
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1006
Census Tract	970403

Owner

4001 Oak St is owned by two individuals who bought it in January 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 335, SNOW HILL, NC 28580-0335
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Nov 13, 2017	Deed of Trust, Mortgage · Commercial Mortgage SOUND BANK
Feb 21, 2019	Deed of Trust, Mortgage · ARM AFFILIATED MORTGAGE SERVICES
May 14, 2020	Deed of Trust, Mortgage · ARM AFFLIATED MORTGAGE SERVICES
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN BK
Apr 24, 2019	Deed of Trust, Mortgage · Line of Credit SOUTHERN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2006 · Amount on File
Deed Sale	Jan 30, 2006 · Amount on File
Prior Sale	Nov 22, 2005 · Amount on File
Deed Document Number	20061155256
Deed Book / Page	1155 / 256
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	4001 OAK ST, MOREHEAD CITY, NC 28557-2922
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015920369
Date	Nov 13, 2017
Book Page	1592/369
Instrument	1592369

Lender

Name	SOUND BANK
Type	Bank
Address	MOREHEAD CITY, NC 28557

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	4001 OAK ST, MOREHEAD CITY, NC 28557-2922
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016300302
Date	Feb 21, 2019
Book Page	1630/302
Instrument	1630302

Lender

Name	AFFILIATED MORTGAGE SERVICES
Type	Lending Institution
Address	ROCKY MOUNT, NC 27804

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	4001 OAK ST, MOREHEAD CITY, NC 28557-2922
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016710475
Date	May 14, 2020
Book Page	1671/475
Instrument	1671475

Lender

Name	AFFLIATED MORTGAGE SERVICES
Address	ROCKY MOUNT, NC 27804

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Max Rate	7.62%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	4001 OAK ST, MOREHEAD CITY, NC 28557-2922
Document Number	0016800320
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1720 GREENRIDGE RD SNOW HILL NC 285807695, SNOW HILL, NC 28580-7695

Mortgage

Document Number	0016800320
Date	Jul 27, 2020
Book Page	001680/000320

Lender

Name	SOUTHERN BK
Type	Bank
Address	MOUNT OLIVE, NC 28365

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	4001 OAK ST, MOREHEAD CITY, NC 28557-2922
Document Number	0016360023
Instrument Date	Apr 24, 2019
Transaction Type	Mortgage
Record Updated	May 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1720 GREENRIDGE RD SNOW HILL NC 285807695, SNOW HILL, NC 28580-7695

Mortgage

Document Number	0016360023
Date	Apr 24, 2019
Book Page	001636/000023

Lender

Name	SOUTHERN BK
Type	Bank
Address	GREENVILLE, NC 27834

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4001 Oak St was $4,676.

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Morehead City Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$806,727 (-) Land $438,388 Building $368,339	$806,727 (-) Land $438,388 Building $368,339
2025	$4,676.00	$806,727 Land $438,388 Building $368,339	$806,727 Land $438,388 Building $368,339
2023		$274,489 Land $95,617 Building $178,872	$274,489 Land $95,617 Building $178,872
2022	$920.00

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 4001 Oak St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	35 (1993–2018)
Claims Outside the SFHA	9 of 35
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 6 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 6 claims Hurricane Fran, Sep 1996 · 7 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 4001 Oak St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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	TOWN OF MOREHEAD CITY serves 18,846 people · EPA ID NC0416015
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures