Carteret County property record for 403 Ocean Dr, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,091 sqft · built 1983 |
| Lot Size | 0.265 acres (11,543 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $5,700 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 6324.11.65.2694000 |
| Primary APN | 6324.11.65.2694000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,091 sqft Heated Area |
| Gross Area | 2,497 sqft |
| 1st Floor Area | 2,091 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cottage |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Pile |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,543 sqft (0.265 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| View / Lot | Waterfront / Beach |
| Deck Area | 25 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 33957 |
|---|---|
| Street Address | 403 OCEAN DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L25 27 B2 EMERALD ISLE |
| Legal Subdivision | EMERALD ISLE BY THE SEA |
| Legal Block | 65 |
| Legal Lot Number | 25,27 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 970903 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 420 BOWMAN RD, SPRINGFIELD, OH 45505-1810 |
| Owner Type | Company |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Mar 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Mar 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 403 OCEAN DR, EMERALD ISLE, NC 28594 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017120242 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 1712/242 |
| Instrument | 1712242 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 403 OCEAN DR, EMERALD ISLE, NC 28594 |
| Document Number | 0016030405 |
| Instrument Date | Mar 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2018 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 403 OCEAN DR EMERALD ISLE NC 28594, EMERALD ISLE, NC 28594 |
| Document Number | 0016030405 |
|---|---|
| Date | Mar 27, 2018 |
| Book Page | 001603/000405 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 26, 2048 |
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 | $1,496,395 (-) Land $1,058,906 Building $437,489 | $1,496,395 (-) Land $1,058,906 Building $437,489 | |
| 2025 | $5,700.00 (+42.75%) | $1,496,395 (+114.41%) Land $1,058,906 Building $437,489 | $1,496,395 (+114.41%) Land $1,058,906 Building $437,489 |
| 2023 | $697,921 Land $571,200 Building $126,721 | $697,921 Land $571,200 Building $126,721 | |
| 2022 | $3,993.00 |
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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 760 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 965 units insured incl. 205 condo units |
| Nearby Flood Claims | 1,172 (1982–2024) |
| Claims Outside the SFHA | 778 of 1,172 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| 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 | Not rated no burnable land within 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 91 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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