4804 Emerald Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 4804 Emerald Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 1982
Lot Size	0.334 acres (14,549 sqft)
Owner	2 Individual Names on File
Last Sale	$580,000 (Oct 2021)
Tax Bill	$2,902 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Oct 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6304.19.72.3442000`

Property Details

APN / Parcel Number

Primary APN	`6304.19.72.3442000`
Alternative APNs	`10552574` `552574`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,848 sqft Heated Area
Gross Area	1,980 sqft
1st Floor Area	616 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,549 sqft (0.334 acres)
Lot Dimensions	150 ft deep x 97 ft wide
Porch	Slab
Porch Area	272 sqft
Deck Area	29 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	10552574
Street Address	4804 EMERALD DR
City	EMERALD ISLE
State	NC
Zip	28594-3619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L11 SB B20 EMERALD ISLE
Legal Subdivision	EMERALD BY THE SEA
Legal Block	72
Legal Lot Number	11
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1100
Census Tract	970903

Owner

4804 Emerald Dr is owned by two individuals who bought it in October 2021.

Source: Carteret County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	747 JOE DR, HIGH POINT, NC 27265-9116
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2023	Deed of Trust, Mortgage TRULIANT FCU
Oct 27, 2021	Warranty Deed, Transfer
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Dec 14, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2021 · Amount on File
Deed Sale	Oct 27, 2021 · Amount on File
Prior Sale	Dec 14, 2020 · Amount on File
Deed Document Number	20211744145
Deed Book / Page	1744 / 145
Prior Transfer Date	Apr 26, 2010
Prior Transfer Doc	0013410423
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	4804 EMERALD DR, EMERALD ISLE, NC 28594-3619
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017930082
Date	Mar 2, 2023
Book Page	1793/82
Instrument	1793082

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Amount	Amount on Record
Term	240 Months
Due	Mar 3, 2043

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Oct 27, 2021
Property Address	4804 EMERALD DR, EMERALD ISLE, NC 28594-3619
Document Number	0017440145
Book / Page	1744 / 145
Instrument Date	Oct 26, 2021
Instrument	1744145
Transaction Type	Transfer
Record Updated	Nov 3, 2021

Transaction

Amount	Amount on Record
Tax	$1,160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	712 S EAST ST EDENTON ST104, 712, RALEIGH, NC 27601-2423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	747 JOE DR, HIGH POINT, NC 27265-9116

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	4804 EMERALD DR, EMERALD ISLE, NC 28594-3619
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017350094
Date	Aug 18, 2021
Book Page	1735/94
Instrument	1735094

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	WASHINGTON, DC 20451

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Dec 14, 2020
Property Address	4804 EMERALD DR, EMERALD ISLE, NC 28594-3619
Document Number	0017000110
Book / Page	1700 / 110
Map Reference	MB 14 PG 33
Instrument Date	Dec 14, 2020
Instrument	1700110
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$940.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6343 LAMM RD, 6343, WILSON, NC 27896-8028

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4804 EMERALD DR, EMERALD ISLE, NC 28594-3619

Mortgage

Document Number	1700111
Date	Dec 14, 2020
Instrument	1700-111

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4804 Emerald Dr was $2,902.

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		$748,332 (-) Land $230,875 Building $517,457	$748,332 (-) Land $230,875 Building $517,457
2025	$2,902.00	$748,332 Land $230,875 Building $517,457	$748,332 Land $230,875 Building $517,457
2023		$332,072 Land $124,911 Building $207,161	$332,072 Land $124,911 Building $207,161
2022	$1,890.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4804 Emerald Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 4804 Emerald Dr 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 95% of the US · lower than 97.4% 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 184 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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