405 Sundown Ct, Emerald Isle, NC 28594 Property Records

Carteret County property record for 405 Sundown Ct, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,785 sqft · built 2020
Lot Size	0.336 acres (14,636 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Nov 2018)
Tax Bill	$4,424 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Jul 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5383.06.37.2765000`

Property Details

APN / Parcel Number

Primary APN	`5383.06.37.2765000`
Alternative APNs	`46833` `6248`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,785 sqft Heated Area
Gross Area	3,107 sqft
1st Floor Area	507 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	14,636 sqft (0.336 acres)
Lot Dimensions	155 ft deep x 91 ft wide
Pool Area	512 sqft
Porch	Slab
Deck Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	46833
Street Address	405 SUNDOWN CT
City	EMERALD ISLE
State	NC
Zip	28594-3045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 SUNSET LANDING EMERALD ISLE
Legal Subdivision	SUNSET LANDING EI
Legal Block	37
Legal Lot Number	30
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1002
Census Tract	970904

Owner

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	Individual Name on Record
Mailing Address	405 SUNDOWN CT, EMERALD ISLE, NC 28594-3045
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2017	Deed of Trust, Mortgage · Commercial Mortgage SOUND BANK
Jul 30, 2020	Loan Modification, Mortgage · Conventional Mortgage FIRST CITIZENS BK & TR CO
Oct 2, 2019	Trustee's Deed, Construction Loan · Construction Mortgage FIRST CITIZENS BK
Nov 14, 2018	Warranty Deed, Transfer · Commercial Mortgage FIRST CITIZENS BANK AND TRUST CO IN
Jun 6, 2018	Warranty Deed, Transfer · Construction Mortgage CREW DRIVE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2018 · Amount on Record
Deed Sale	Nov 14, 2018 · Amount on Record
Deed Document Number	20181623227
Deed Book / Page	1623 / 227
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	405 SUNDOWN CT, EMERALD ISLE, NC 28594-3045
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015820114
Date	Jul 20, 2017
Book Page	1582/114
Instrument	1582114

Lender

Name	SOUND BANK
Type	Bank
Address	MOREHEAD CITY, NC 28557

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARTERET NC
Property Address	405 SUNDOWN CT, EMERALD ISLE, NC 28594-3045
Document Number	0016820284
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 SUNDOWN CT EMERALD ISLE NC 285943045, EMERALD ISLE, NC 28594-3045

Mortgage

Document Number	0016820284
Date	Aug 10, 2020
Book Page	001682/000284

Lender

Name	FIRST CITIZENS BK & TR CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

October 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CARTERET NC
Recording Date	Oct 2, 2019
Property Address	405 SUNDOWN CT, EMERALD ISLE, NC 28594-3045
Document Number	0016500018
Book / Page	001650 / 000018
Instrument Date	Oct 2, 2019
Transaction Type	Construction Loan
Record Updated	Oct 21, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 SUNDOWN CT EMERALD ISLE NC 285943045, EMERALD ISLE, NC 28594-3045

Mortgage

Document Number	16500018
Date	Oct 2, 2019
Book Page	001650/000018

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Nov 14, 2018
Property Address	405 SUNDOWN CT, EMERALD ISLE, NC 28594-3045
Document Number	0016230227
Book / Page	1623 / 227
Map Reference	MB31 PG124
Instrument Date	Nov 13, 2018
Instrument	1623227
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	330 CAPE LOOKOUT LOOP, 330, EMERALD ISLE, NC 28594-1815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7114 ARCHERS CREEK DR, EMERALD ISLE, NC 28594-3101

Mortgage

Document Number	1623228
Date	Nov 14, 2018
Instrument	1623228

Lender

Name	FIRST CITIZENS BANK AND TRUST CO IN
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jun 6, 2018
Property Address	405 SUNDOWN CT, EMERALD ISLE, NC 28594-3045
Document Number	0016100210
Book / Page	001610 / 000210
Instrument Date	Jun 4, 2018
Transaction Type	Transfer
Record Updated	Jun 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	330 CAPE LOOKOUT LOOP EMERALD ISLE NC 285941815, EMERALD ISLE, NC 28594-1815

Mortgage

Document Number	16100211
Date	Jun 6, 2018
Book Page	001610/000211

Lender

Name	CREW DRIVE LLC
Address	8108 SOUND DR, EMERALD ISLE, NC 28594-2727

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 5, 2019

Tax Assessment & Valuation

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Emerald Isle Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,209,456 (-) Land $377,040 Building $832,416	$1,209,456 (-) Land $377,040 Building $832,416
2025	$4,424.00 (+23.64%)	$1,209,456 (+111.88%) Land $377,040 Building $832,416	$1,209,456 (+111.88%) Land $377,040 Building $832,416
2023		$570,821 Land $140,790 Building $430,031	$570,821 Land $140,790 Building $430,031
2022	$3,578.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
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	Hurricane Florence, Sep 2018 · 16 claims Hurricane Ophelia, Sep 2005 · 2 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Brightspeed, T-Mobile, Verizon.

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