Carteret County property record for 403 Tern Ter, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,260 sqft · built 1996 |
| Lot Size | 0.383 acres (16,683 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,112 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 5394.18.41.2331000 |
| Primary APN | 5394.18.41.2331000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,260 sqft Heated Area |
| Gross Area | 1,612 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Foundation Type | Pile |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,683 sqft (0.383 acres) |
| Lot Dimensions | 150 ft deep x 112 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Slab |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | 40 sqft |
| Patio Area | 504 sqft |
| Utility Building | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 57986 |
|---|---|
| Street Address | 403 TERN TER |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-3035 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L25 BD ARCHERS POINT |
| Legal Subdivision | ARCHERS POINT |
| Legal Block | 41 |
| Legal Lot Number | 25 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 970904 |
403 Tern Ter is owned and occupied by an individual.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 403 TERN TER, EMERALD ISLE, NC 28594-3035 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 403 Tern Ter was $2,112.
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 | $508,889 (-) Land $223,264 Building $285,625 | $508,889 (-) Land $223,264 Building $285,625 | |
| 2025 | $2,112.00 | $508,889 Land $223,264 Building $285,625 | $508,889 Land $223,264 Building $285,625 |
| 2023 | $320,236 Land $197,251 Building $122,985 | $320,236 Land $197,251 Building $122,985 | |
| 2022 | $1,833.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Tern Ter 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 403 Tern Ter 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 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 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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