513 Ocean Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 513 Ocean Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,054 sqft · built 2013
Lot Size	0.175 acres (7,623 sqft)
Owner	2 Individual Names on File
Last Sale	$1,250,000 (May 2022)
Tax Bill	$6,093 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Oct 2019 Mortgage + 3 more
Flood Zone	Zone VE (high risk)
APN	`6324.11.55.4439000`

Property Details

APN / Parcel Number

Primary APN	`6324.11.55.4439000`
Alternative APNs	`554610` `40823`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,054 sqft Heated Area
Gross Area	1,604 sqft
1st Floor Area	24 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Fiber Cement Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,623 sqft (0.175 acres)
Lot Dimensions	150 ft deep x 50 ft wide
View / Lot	Waterfront / Beach
Deck Area	189 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	40823
Street Address	513 OCEAN DR
City	EMERALD ISLE
State	NC
Zip	28594-6950
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L17 18 B3 EMERALD ISLE
Legal Subdivision	EMERALD ISLE BY THE SEA
Legal Block	55
Legal Lot Number	17-18
Jurisdiction	CARTERET NC
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1015
Census Tract	970903

Owner

513 Ocean Dr is owned by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	5074 INDEPENDENCE LN, DENVER, NC 28037-7822
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
May 4, 2022	Warranty Deed, Transfer · Conventional Mortgage AMALGAMATED BANK
Oct 21, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST CO
Nov 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 20, 2020	Warranty Deed, Transfer · VA Mortgage PLAZA HOME MORTGAGE INC
Jul 1, 2019	Warranty Deed, Transfer DOUGLAS J JR LEECH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2022 · Amount on File
Deed Sale	May 4, 2022 · Amount on File
Prior Sale	May 20, 2020 · Amount on File
Deed Document Number	20221766201
Deed Book / Page	1766 / 201
Prior Transfer Date	Jan 15, 2010
Prior Transfer Doc	0001331298
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	May 4, 2022
Property Address	513 OCEAN DR, EMERALD ISLE, NC 28594-6950
Document Number	0017660201
Book / Page	1766 / 201
Map Reference	MB 3 PG 57
Instrument Date	May 3, 2022
Instrument	1766201
Transaction Type	Transfer
Record Updated	May 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 WESTERN BLVD, 300, JACKSONVILLE, NC 28546-6340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5074 INDENEDNCE LANE, DENVER, NC 28037

Mortgage

Document Number	0001766202
Date	May 4, 2022
Instrument	1766-202

Lender

Name	AMALGAMATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	513 OCEAN DR, EMERALD ISLE, NC 28594-6950
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016520297
Date	Oct 21, 2019
Book Page	1652/297
Instrument	1652297

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	MORGANTOWN, WV 26505

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARTERET NC
Recording Date	Nov 18, 2020
Property Address	513 OCEAN DR, EMERALD ISLE, NC 28594-6950
Document Number	0016960218
Book / Page	001696 / 000218
Instrument Date	Aug 20, 2020
Transaction Type	Transfer
Record Updated	Dec 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	300 WESTERN BLVD JACKSONVILLE NC 285466340, JACKSONVILLE, NC 28546-6340

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	May 20, 2020
Property Address	513 OCEAN DR, EMERALD ISLE, NC 28594-6950
Document Number	0016720285
Book / Page	1672 / 285
Map Reference	MB 3 PG 57
Instrument Date	Apr 13, 2020
Instrument	1672285
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 SOUTHWIND CIR, 120, MORGANTOWN, WV 26508-9320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 WESTERN BLVD, JACKSONVILLE, NC 28546-6340

Mortgage

Document Number	1672286
Date	May 20, 2020
Instrument	1672-286

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 1, 2019
Property Address	513 OCEAN DR, EMERALD ISLE, NC 28594-6950
Document Number	0016420183
Book / Page	001642 / 000183
Instrument Date	Jul 1, 2019
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,580.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	120 SOUTHWIND CIR MORGANTOWN WV 265089320, MORGANTOWN, WV 26508-9320

Mortgage

Document Number	16420184
Date	Jul 1, 2019
Book Page	001642/000184

Lender

Name	DOUGLAS J JR LEECH
Address	907 RIVERVIEW DR, MORGANTOWN, WV 26505-4633

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 513 Ocean Dr was $6,093.

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		$1,608,191 (-) Land $1,033,594 Building $574,597	$1,608,191 (-) Land $1,033,594 Building $574,597
2025	$6,093.00	$1,608,191 Land $1,033,594 Building $574,597	$1,608,191 Land $1,033,594 Building $574,597
2023		$700,322 Land $425,000 Building $275,322	$700,322 Land $425,000 Building $275,322
2022	$3,956.00

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

Flood

FEMA maps place 513 Ocean Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
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

The area around 513 Ocean Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ocean Dr

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