Carteret County property record for 401 Spell Dr, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,387 sqft · built 1970 |
| Lot Size | 0.229 acres (9,975 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,230 (2025) |
| Deeds & Mortgages | Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 5383.08.79.9585000 |
| Primary APN | 5383.08.79.9585000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,387 sqft Heated Area |
| Gross Area | 1,794 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,975 sqft (0.229 acres) |
| Lot Dimensions | 141 ft deep x 75 ft wide |
| Deck Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 63980 |
|---|---|
| Street Address | 401 SPELL DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-2558 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L1 PART L10 BJ S2 EMERALD ISLE |
| Legal Subdivision | EMERALD ELSE |
| Legal Block | 79 |
| Legal Lot Number | 1,10 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 970904 |
401 Spell Dr, a single family home, is owned by two individuals.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 4818, EMERALD ISLE, NC 28594-4818 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 8608 POWELL DR, EMERALD ISLE, NC 28594 |
| Document Number | 0015870361 |
| Book / Page | 001587 / 000361 |
| Instrument Date | Sep 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2017 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 401 SPELL DR EMERALD ISLE NC 28594, EMERALD ISLE, NC 28594 |
| Document Number | 0015870361 |
|---|---|
| Date | Sep 19, 2017 |
| Book Page | 001587/000361 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 401 Spell Dr was $2,230.
Source: Carteret County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Municipality | Emerald Isle Town |
| Unified School District | Carteret County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $544,577 (-) Land $298,700 Building $245,877 | $544,577 (-) Land $298,700 Building $245,877 | |
| 2025 | $2,230.00 | $544,577 Land $298,700 Building $245,877 | $544,577 Land $298,700 Building $245,877 |
| 2023 | $119,241 Land $97,740 Building $21,501 | $119,241 Land $97,740 Building $21,501 | |
| 2022 | $858.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Spell Dr 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 AE, within 500 ft |
| 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 |
|
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 risk around 401 Spell Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 398 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: Brightspeed, Verizon.
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