Carteret County property record for 401 Tern Ter, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,324 sqft · built 2013 |
| Lot Size | 0.347 acres (15,115 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $560,000 (Oct 2021) |
| Tax Bill | $2,953 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5394.18.41.3203000 |
| Primary APN | 5394.18.41.3203000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,324 sqft Heated Area |
| Gross Area | 1,420 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,115 sqft (0.347 acres) |
| Lot Dimensions | 115 ft deep x 73 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 65 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 54660 |
|---|---|
| Street Address | 401 TERN TER |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-3035 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L24 BD ARCHERS POINT |
| Legal Subdivision | ARCHERS POINT |
| Legal Block | 41 |
| Legal Lot Number | 24 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 970904 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 401 TERN TER, EMERALD ISLE, NC 28594-3035 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2021 · Amount on Record |
| Deed Sale | Oct 29, 2021 · Amount on Record |
| Prior Sale | Nov 7, 2005 · Amount on Record |
| Deed Document Number | 20211744285 |
| Deed Book / Page | 1744 / 285 |
| Prior Transfer Date | Oct 14, 2008 |
| Prior Transfer Doc | 0012880185 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Oct 29, 2021 |
| Property Address | 401 TERN TER, EMERALD ISLE, NC 28594-3035 |
| Document Number | 0017440285 |
| Book / Page | 1744 / 285 |
| Map Reference | MB 28 PG 797 |
| Instrument Date | Oct 18, 2021 |
| Instrument | 1744285 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 4834, EMERALD ISLE, NC 28594-4834 |
| Name | Verified Name |
|---|---|
| Address | 5309 CALVERTON DR, RALEIGH, NC 27613-5644 |
| Document Number | 1744286 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 1744-286 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
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 | $763,636 (-) Land $247,456 Building $516,180 | $763,636 (-) Land $247,456 Building $516,180 | |
| 2025 | $2,953.00 (+43.07%) | $763,636 (+107.51%) Land $247,456 Building $516,180 | $763,636 (+107.51%) Land $247,456 Building $516,180 |
| 2023 | $368,001 Land $130,611 Building $237,390 | $368,001 Land $130,611 Building $237,390 | |
| 2022 | $2,064.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% 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.
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 169 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: T-Mobile, Verizon.
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