5209 Emerald Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 5209 Emerald Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,444 sqft · built 1984
Lot Size	0.318 acres (13,852 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (May 2017)
Tax Bill	$2,896 (2025)
Deeds & Mortgages	May 2022 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6304.19.61.1835000`

Property Details

APN / Parcel Number

Primary APN	`6304.19.61.1835000`
Alternative APNs	`412753` `27451`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,444 sqft Heated Area
Gross Area	1,440 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	Pile
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,852 sqft (0.318 acres)
Lot Dimensions	194 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport
Deck Area	155 sqft
Utility Building	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	27451
Street Address	5209 EMERALD DR
City	EMERALD ISLE
State	NC
Zip	28594-3510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L32 B21 EMERALD ISLE
Legal Subdivision	GEORGE F SPELL
Legal Block	61
Legal Lot Number	32
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1061
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	2 Individual Names on Record
Mailing Address	107 BALLATORE CT, CARY, NC 27519-6992
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORPORATE INVESTORS MORTGAGE GROUP INC
May 31, 2017	Warranty Deed, Transfer · Conventional Mortgage CORPORATE INVESTORS MORTGAGE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2017 · Amount on Record
Deed Sale	May 31, 2017 · Amount on Record
Prior Sale	Oct 6, 1999 · Amount on Record
Deed Document Number	20171577208
Deed Book / Page	1577 / 208
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	5209 EMERALD DR, EMERALD ISLE, NC 28594-3510
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 BALLATORE CT, CARY, NC 27519-6992

Mortgage

Document Number	0017690072
Date	May 31, 2022
Book Page	1769/72
Instrument	1769072

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	5209 EMERALD DR, EMERALD ISLE, NC 28594-3510
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016900408
Date	Oct 7, 2020
Book Page	1690/408
Instrument	1690408

Lender

Name	CORPORATE INVESTORS MORTGAGE GROUP INC
Type	Mortgage Company
Address	CHAPEL HILL, NC 27517

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	May 31, 2017
Property Address	5209 EMERALD DR, EMERALD ISLE, NC 28594-3510
Document Number	0015770208
Book / Page	1577 / 208
Map Reference	MB5 PG27
Instrument Date	May 31, 2017
Instrument	1577208
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 ELLSWORTH CT, 1, CHAPEL HILL, NC 27517-7816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 BALLATORE CT, CARY, NC 27519-6992

Mortgage

Document Number	1577209
Date	May 31, 2017
Instrument	1577209

Lender

Name	CORPORATE INVESTORS MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$746,523 (-) Land $337,068 Building $409,455	$746,523 (-) Land $337,068 Building $409,455
2025	$2,896.00 (+31.88%)	$746,523 (+88.89%) Land $337,068 Building $409,455	$746,523 (+88.89%) Land $337,068 Building $409,455
2023		$395,219 Land $250,290 Building $144,929	$395,219 Land $250,290 Building $144,929
2022	$2,196.00

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 500 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	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 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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