4607 Ocean Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 4607 Ocean Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Townhouse
Details	5 bd · 3.5 ba · 2,230 sqft · built 1993
Lot Size	0.024 acres (1,045 sqft)
Owner	Company Name on Record
Last Sale	$725,000 (Jun 2019)
Tax Bill	$4,469 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6304.20.71.9893000`

Property Details

APN / Parcel Number

Primary APN	`6304.20.71.9893000`
Alternative APNs	`539353` `64183`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,230 sqft Heated Area
Gross Area	1,506 sqft
1st Floor Area	156 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Townhouse
Exterior Material	Vinyl
Foundation Type	Pile
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,045 sqft (0.024 acres)
View / Lot	Waterfront / Beach
Deck Area	26 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	64183
Street Address	4607 OCEAN DR
City	EMERALD ISLE
State	NC
Zip	28594
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	EAST LOT OCEAN WATCH TOWNHOMES
Legal Subdivision	EAST
Legal Block	71
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1033
Census Tract	970903

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	Company Name on Record
Mailing Address	22 TOPSIDE RD, 1, MOULTONBOROUGH, NH 03254-2583
Owner Type	Company
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jun 14, 2019	Warranty Deed, Transfer · ARM PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2019 · Amount on Record
Deed Sale	Jun 14, 2019 · Amount on Record
Prior Sale	Aug 14, 2009 · Amount on Record
Deed Document Number	20191640448
Deed Book / Page	1640 / 448
Prior Transfer Date	Aug 4, 2011
Prior Transfer Doc	0013830158
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	4607 OCEAN DR, EMERALD ISLE, NC 28594
Transaction Type	Mortgage
Record Updated	Nov 24, 2025
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017620429
Date	Apr 4, 2022
Book Page	1762/429
Instrument	1762429

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.87%
Index	Other
Margin	3
Max Rate	7.87%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jun 14, 2019
Property Address	4607 OCEAN DR # E, E, EMERALD ISLE, NC 28594
Document Number	0016400448
Book / Page	1640 / 448
Map Reference	MB 32 PG 298
Instrument Date	May 28, 2019
Instrument	1640448
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2608 RIO PLATO DR, 2608, PUNTA GORDA, FL 33950-6386

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	22 TOPSIDE RD UNIT 1, 1, MOULTONBOROUGH, NH 03254-2583

Mortgage

Document Number	1640449
Date	Jun 14, 2019
Instrument	1640-449

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

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		$1,146,730 (-) Land $504,000 Building $642,730	$1,146,730 (-) Land $504,000 Building $642,730
2025	$4,469.00 (+19.81%)	$1,146,730 (+74.49%) Land $504,000 Building $642,730	$1,146,730 (+74.49%) Land $504,000 Building $642,730
2023		$657,200 Building $657,200	$657,200 Building $657,200
2022	$3,730.00

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 100 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	Hurricane Florence, Sep 2018 · 183 claims Hurricane Floyd Major Disaster Declarations, Oct 1999 · 244 claims Hurricane Fran, Sep 1996 · 194 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	Direct burnable vegetation

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 150 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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