Carteret County property record for 409 Wild Cherry Ln, Emerald Isle, NC 28594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,072 sqft · built 1995 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Jun 2016) |
| Tax Bill | $2,539 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5393.05.09.7814000 |
| Primary APN | 5393.05.09.7814000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,072 sqft Heated Area |
| Gross Area | 1,688 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 113 ft deep x 111 ft wide |
| Pool Area | 448 sqft |
| Deck Area | 4 sqft |
| Patio Area | 294 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 42848 |
|---|---|
| Street Address | 409 WILD CHERRY LN |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-2744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L16 HOLLY POINT |
| Legal Subdivision | HOLLY POINT S/D |
| Legal Block | 09 |
| Legal Lot Number | 16 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 970904 |
409 Wild Cherry Ln is owned by two individuals who bought it in June 2016.
Source: Carteret County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 425 BAHAMA GRANDE BLVD, APOLLO BEACH, FL 33572-2564 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Nov 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage USAA FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2016 · Amount on File |
| Deed Sale | Jun 1, 2016 · Amount on File |
| Prior Sale | Nov 21, 2006 · Amount on File |
| Deed Document Number | 20161544023 |
| Deed Book / Page | 1544 / 23 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 409 WILD CHERRY LN, EMERALD ISLE, NC 28594-2744 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Title Company | RAVENSWOOD TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0017150033 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 1715/33 |
| Instrument | 1715033 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 409 WILD CHERRY LN, EMERALD ISLE, NC 28594-2744 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0016960445 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 1696/445 |
| Instrument | 1696445 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 354 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 409 Wild Cherry Ln was $2,539.
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 | $638,336 (-) Land $268,413 Building $369,923 | $638,336 (-) Land $268,413 Building $369,923 | |
| 2025 | $2,539.00 | $638,336 Land $268,413 Building $369,923 | $638,336 Land $268,413 Building $369,923 |
| 2023 | $334,880 Land $130,536 Building $204,344 | $334,880 Land $130,536 Building $204,344 | |
| 2022 | $1,904.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Wild Cherry Ln in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1996.
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 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 409 Wild Cherry Ln is low, with less than a 0.01% annual chance of 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 | Direct burnable vegetation |
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 441 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Brightspeed.
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