411 Emerald Cir, Emerald Isle, NC 28594 Property Records

Carteret County property record for 411 Emerald Cir, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,876 sqft · built 2021
Lot Size	0.151 acres (6,578 sqft)
Owner	2 Individual Names on File
Last Sale	$509,000 (Aug 2021)
Tax Bill	$2,828 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Dec 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5383.07.68.0770000`

Property Details

APN / Parcel Number

Primary APN	`5383.07.68.0770000`
Alternative APNs	`551617` `21351`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,876 sqft Heated Area
Gross Area	2,332 sqft
1st Floor Area	1,856 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,578 sqft (0.151 acres)
Lot Dimensions	114 ft deep x 61 ft wide
Porch	Slab
Patio Area	17 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	21351
Street Address	411 EMERALD CIR
City	EMERALD ISLE
State	NC
Zip	28594-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L28 PH3 EMERALD PLANTATION PATIO HOMES
Legal Subdivision	EMERALD PLANTATION
Legal Phase	3
Legal Block	68
Legal Lot Number	28
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1009
Census Tract	970904

Owner

411 Emerald Cir is owned and occupied by two individuals who bought it in August 2021.

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 File
Mailing Address	411 EMERALD CIR, EMERALD ISLE, NC 28594-1906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2021	Deed of Trust, Mortgage · Line of Credit DAB SERVICES CORP LLC
Dec 10, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Aug 25, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 18, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jul 17, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2021 · Amount on File
Deed Sale	Aug 25, 2021 · Amount on File
Prior Sale	Dec 18, 2020 · Amount on File
Deed Document Number	20211736032
Deed Book / Page	1736 / 32
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	411 EMERALD CIR, EMERALD ISLE, NC 28594-1906
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017080171
Date	Feb 15, 2021
Book Page	1708/171
Instrument	1708171

Lender

Name	DAB SERVICES CORP LLC
Type	Non-Lending Institution
Address	NEWPORT, NC 28570

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jan 21, 2031

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	411 EMERALD CIR, EMERALD ISLE, NC 28594-1906
Transaction Type	Mortgage
Record Updated	Jan 10, 2023
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 EMERALD CIR, EMERALD ISLE, NC 28594-1906

Mortgage

Document Number	0017490307
Date	Dec 10, 2021
Book Page	1749/307
Instrument	1749307

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Aug 25, 2021
Property Address	411 EMERALD CIR, EMERALD ISLE, NC 28594-1906
Document Number	0017360032
Book / Page	1736 / 32
Map Reference	MB 27 PG 19
Instrument Date	Jul 23, 2021
Instrument	1736032
Transaction Type	Transfer
Record Updated	Jan 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,018.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	394 YACHT CLUB DR, NEWPORT, NC 28570-5161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 EMERALD CIR, EMERALD ISLE, NC 28594-1906

Mortgage

Document Number	0001736033
Date	Aug 25, 2021
Instrument	1736-033

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Dec 18, 2020
Property Address	411 EMERALD CIR, EMERALD ISLE, NC 28594-1906
Document Number	0017010052
Book / Page	001701 / 000052
Instrument Date	Dec 16, 2020
Transaction Type	Transfer
Record Updated	Jan 20, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$206.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7601 EMERALD DR #A EMERALD ISLE NC 285942956, A, EMERALD ISLE, NC 28594-2956

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 17, 2020
Property Address	411 EMERALD CIR, EMERALD ISLE, NC 28594-1906
Document Number	0016790189
Book / Page	001679 / 000189
Instrument Date	Jun 26, 2020
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$203.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	411 EMERALD CIR EMERALD ISLE NC 28594, EMERALD ISLE, NC 28594

Tax Assessment & Valuation

The 2025 property tax bill for 411 Emerald Cir was $2,828.

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		$726,005 (-) Land $252,470 Building $473,535	$726,005 (-) Land $252,470 Building $473,535
2025	$2,828.00	$726,005 Land $252,470 Building $473,535	$726,005 Land $252,470 Building $473,535
2023		$248,026 Land $95,800 Building $152,226	$248,026 Land $95,800 Building $152,226
2022	$464.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 411 Emerald Cir 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	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

Wildfire risk around 411 Emerald Cir 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 97% of the US · lower than 98.5% 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Emerald Cir

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