Carteret County property record for 408 Ocean Dr, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,288 sqft · built 1980 |
| Lot Size | 0.246 acres (10,716 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $3,188 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6324.11.65.1812000 |
| Primary APN | 6324.11.65.1812000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,288 sqft Heated Area |
| Gross Area | 1,668 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 10,716 sqft (0.246 acres) |
| Lot Dimensions | 143 ft deep x 75 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 16 sqft |
| Patio Area | 496 sqft |
| Utility Building | 202 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 77999 |
|---|---|
| Street Address | 408 OCEAN DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L71 73 B2 EMERALD ISLE |
| Legal Subdivision | EMERALD ISLE BY THE SEA |
| Legal Block | 65 |
| Legal Lot Number | 71,73 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 970903 |
Source: Carteret County records, as of March 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 261 SUMMERWINDS DR, CARY, NC 27518-9640 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2001 |
| Deed Sale | Jul 9, 2001 |
| Prior Sale | May 25, 1990 · Amount on Record |
| Deed Book / Page | 912 / 562 |
| Last Transfer Date | Mar 15, 2007 |
| Transfer Doc | 0001215011 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 408 OCEAN DR, EMERALD ISLE, NC 28594 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0017330088 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | 1733/88 |
| Instrument | 1733088 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
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 |
|---|---|---|---|
| 2025 | $3,188.00 (+52.9%) | $835,120 (+124.29%) Land $535,964 Building $299,156 | $835,120 (+124.29%) Land $535,964 Building $299,156 |
| 2023 | $372,346 Land $294,840 Building $77,506 | $372,346 Land $294,840 Building $77,506 | |
| 2022 | $2,085.00 |
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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