409 Sundown Ct, Emerald Isle, NC 28594 Property Records

Carteret County property record for 409 Sundown Ct, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,503 sqft · built 2020
Lot Size	0.325 acres (14,157 sqft)
Owner	2 Individual Names on Record
Last Sale	$122,500 (Aug 2018)
Tax Bill	$3,421 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5383.06.37.0799000`

Property Details

APN / Parcel Number

Primary APN	`5383.06.37.0799000`
Alternative APNs	`533421` `53367`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,503 sqft Heated Area
Gross Area	2,606 sqft
1st Floor Area	285 sqft
Utility Area	99 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	14,157 sqft (0.325 acres)
Lot Dimensions	95 ft deep x 60 ft wide
Utility Building	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	53367
Street Address	409 SUNDOWN CT
City	EMERALD ISLE
State	NC
Zip	28594-3045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 SUNSET LANDING EMERALD ISLE
Legal Subdivision	SUNSET LANDING EI
Legal Block	37
Legal Lot Number	28
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	409 SUNDOWN CT, EMERALD ISLE, NC 28594-3045
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Mar 19, 2020	Deed of Trust, Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Aug 2, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2018 · Amount on Record
Deed Sale	Aug 2, 2018 · Amount on Record
Deed Document Number	20181615404
Deed Book / Page	1615 / 404
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	409 SUNDOWN CT, EMERALD ISLE, NC 28594-3045
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SUNDOWN CT, EMERALD ISLE, NC 28594-3045

Mortgage

Document Number	0018790227
Date	Feb 27, 2026
Book Page	1879/227
Instrument	1879227

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	409 SUNDOWN CT, EMERALD ISLE, NC 28594-3045
Transaction Type	Mortgage
Record Updated	Jan 10, 2023
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017230477
Date	May 26, 2021
Book Page	1723/477
Instrument	1723477

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	409 SUNDOWN CT, EMERALD ISLE, NC 28594-3045
Document Number	0016670254
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	409 SUNDOWN CT EMERALD ISLE NC 285943045, EMERALD ISLE, NC 28594-3045

Mortgage

Document Number	0016670254
Date	Mar 27, 2020
Book Page	001667/000254

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.24%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Aug 2, 2018
Property Address	409 SUNDOWN CT, EMERALD ISLE, NC 28594-3045
Document Number	0016150404
Book / Page	001615 / 000404
Instrument Date	Aug 1, 2018
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$245.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1728 SASSAFRAS CT GREENVILLE NC 278581033, GREENVILLE, NC 27858-1033

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		$917,917 (+1.36%) Land $284,404 Building $633,513	$917,917 (+1.36%) Land $284,404 Building $633,513
2025	$3,421.00 (+37.5%)	$905,586 (+98.89%) Land $284,404 Building $621,182	$905,586 (+98.89%) Land $284,404 Building $621,182
2023		$455,328 Land $125,280 Building $330,048	$455,328 Land $125,280 Building $330,048
2022	$2,488.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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