Carteret County property record for 404 Ocean Dr, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,352 sqft · built 1970 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Company Name on Record |
| Last Sale | $705,000 (Apr 2024) |
| Tax Bill | $2,807 (2025) |
| Deeds & Mortgages | Nov 2025 Construction Loan Apr 2024 Sale & Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6324.11.65.2864000 |
| Primary APN | 6324.11.65.2864000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,352 sqft Heated Area |
| Gross Area | 1,981 sqft |
| Flooring | Hardwood |
| Interior Walls | Paneling |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Duplex Single |
| Exterior Material | Vinyl |
| Foundation Type | Pile |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 143 ft deep x 75 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 189 sqft |
| Deck Area | 32 sqft |
| Shed | 1 Shed |
| Shed Area | 189 sqft |
| Utility Building | 314 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 55933 |
|---|---|
| Street Address | 404 OCEAN DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-6948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L65 67 B2 EMERALD ISLE |
| Legal Subdivision | EMERALD ISLE BY THE SEA |
| Legal Block | 65 |
| Legal Lot Number | 65,67 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1008 |
| 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 | 1589 SKEET CLUB RD, 102, HIGH POINT, NC 27265-8818 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Nov 17, 2025 | Deed of Trust, Mortgage · Construction Mortgage ALTO CAPITAL HOLDINGS LLC |
| Apr 18, 2024 | Personal Representative Deed, Construction Loan · Construction Mortgage ELS HOLDINGS LLC |
| Nov 8, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Aug 16, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 2024 · Amount on Record |
| Deed Sale | Apr 18, 2024 · Amount on Record |
| Deed Document Number | 20241825039 |
| Deed Book / Page | 1825 / 39 |
| Prior Transfer Date | Apr 6, 2016 |
| Prior Transfer Doc | 0015400459 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 404 OCEAN DR, EMERALD ISLE, NC 28594-6948 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1589 SKEET CLUB RD 102, 102, HIGH POINT, NC 27265-8818 |
| Document Number | 0018710244 |
|---|---|
| Date | Nov 17, 2025 |
| Book Page | 1871/244 |
| Instrument | 1871244 |
| Name | ALTO CAPITAL HOLDINGS LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33162 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 16 Months |
| Due | Mar 1, 2027 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Apr 18, 2024 |
| Property Address | 404 OCEAN DR, EMERALD ISLE, NC 28594-6948 |
| Document Number | 0018250039 |
| Book / Page | 1825 / 39 |
| Map Reference | MB 3 PG 56 |
| Instrument Date | Apr 2, 2024 |
| Instrument | 1825039 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 24, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,410.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 147 GLENDA DR, BEAUFORT, NC 28516-2404 |
| Name | Verified Name |
|---|---|
| Address | 1589 SKEET CLUB RD # 102135, 102135, HIGH POINT, NC 27265-8817 |
| Document Number | 0001825040 |
|---|---|
| Date | Apr 18, 2024 |
| Instrument | 1825040 |
| Name | ELS HOLDINGS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 19 Months |
| Due | Nov 1, 2025 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Nov 8, 2018 |
| Property Address | 404 OCEAN DR, EMERALD ISLE, NC 28594-6948 |
| Document Number | 0016230046 |
| Book / Page | 001623 / 000046 |
| Instrument Date | Nov 6, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 147 GLENDA DR BEAUFORT NC 285162404, BEAUFORT, NC 28516-2404 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Aug 16, 2018 |
| Property Address | 404 OCEAN DR, EMERALD ISLE, NC 28594-6948 |
| Document Number | 0016170096 |
| Book / Page | 001617 / 000096 |
| Instrument Date | Jun 19, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 147 GLENDA DR BEAUFORT NC 285162404, BEAUFORT, NC 28516-2404 |
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 | $1,607,213 (+123.38%) Land $535,106 Building $1,072,107 | $1,607,213 (+123.38%) Land $535,106 Building $1,072,107 | |
| 2025 | $2,807.00 (+1.08%) | $719,487 (+49.26%) Land $535,106 Building $184,381 | $719,487 (+49.26%) Land $535,106 Building $184,381 |
| 2023 | $482,051 Land $294,840 Building $187,211 | $482,051 Land $294,840 Building $187,211 | |
| 2022 | $2,777.00 |
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 VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 | 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 | 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 |
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