Carteret County property record for 403 E Caswell St, Atlantic Beach, NC 28512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,012 sqft · built 2024 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,166 (2025) |
| Deeds & Mortgages | Feb 2025 Mortgage Aug 2023 Construction Loan + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | 6385.14.22.6897000 |
| Primary APN | 6385.14.22.6897000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,012 sqft Heated Area |
| Gross Area | 3,824 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Pile |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 60007 |
|---|---|
| Street Address | 403 E CASWELL ST |
| City | ATLANTIC BEACH |
| State | NC |
| Zip | 28512-5489 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L15 L16 BR MONEY ISLAND BEACH ATLANTIC BEACH |
| Legal Subdivision | MONEY ISLAND |
| Legal Lot Number | 15-16 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 971103 |
403 E Caswell St is owned and occupied by two individuals who acquired it in August 2023.
Source: Carteret County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 E CASWELL ST, ATLANTIC BEACH, NC 28512-5489 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Aug 21, 2023 | Intrafamily Transfer, Transfer · Construction Mortgage BLUEHARBOR BANK |
| Aug 4, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 21, 2023 |
| Transfer Doc | 0018070160 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 403 E CASWELL ST, ATLANTIC BEACH, NC 28512-5489 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 127 RIVER REACH DR W, SWANSBORO, NC 28584-8527 |
| Document Number | 0018480327 |
|---|---|
| Date | Feb 19, 2025 |
| Book Page | 1848/327 |
| Instrument | 1848327 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 5-Year CMT |
| Max Rate | 11.1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Aug 21, 2023 |
| Property Address | 403 E CASWELL ST, ATLANTIC BEACH, NC 28512-5489 |
| Document Number | 0018070160 |
| Book / Page | 1807 / 160 |
| Map Reference | MB 1 PG 96 |
| Instrument Date | Aug 21, 2023 |
| Instrument | 1807160 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 127 RIVER REACH DR W, SWANSBORO, NC 28584-8527 |
| Document Number | 0001807161 |
|---|---|
| Date | Aug 21, 2023 |
| Instrument | 1807161 |
| Name | BLUEHARBOR BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Aug 4, 2020 |
| Property Address | 403 E CASWELL ST, ATLANTIC BEACH, NC 28512-5489 |
| Document Number | 0016810390 |
| Book / Page | 001681 / 000390 |
| Instrument Date | Jul 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 127 RIVER REACH DR W SWANSBORO NC 285848527, SWANSBORO, NC 28584-8527 |
The 2025 property tax bill for 403 E Caswell St was $2,166.
Source: Carteret County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Atlantic Beach Town |
| County | Carteret County |
| Unified School District | Carteret County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $981,271 (+1.93%) Land $275,110 Building $706,161 | $981,271 (+1.93%) Land $275,110 Building $706,161 | |
| 2025 | $2,166.00 | $962,677 Land $275,110 Building $687,567 | $962,677 Land $275,110 Building $687,567 |
| 2023 | $215,250 (-) Land $215,250 | $215,250 (-) Land $215,250 | |
| 2022 | $710.00 | $215,250 Land $215,250 | $215,250 Land $215,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 E Caswell St in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 501 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1,796 units insured incl. 1,295 condo units |
| Nearby Flood Claims | 75 (1996–2025) |
| Claims Outside the SFHA | 23 of 75 |
| Most Recent Claim | Aug 2025 · rainfall accumulation |
| 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 403 E Caswell St 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 99.1% of the US · lower than 99.5% 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 | TOWN OF ATLANTIC BEACH serves 6,380 people · EPA ID NC0416035 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2021 E. coli resolved · Sep 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 386 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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