5311 Ocean Dr, #E, Emerald Isle, NC 28594 Property Records

Carteret County property record for 5311 Ocean Dr, #E, Emerald Isle, NC 28594

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 1,700 sqft · built 1984
Lot Size	0.026 acres (1,166 sqft)
Owner	Individual Name on File
Last Sale	$547,500 (Aug 2004)
Tax Bill	$3,519 (2025)
Deeds & Mortgages	May 2019 Line of Credit Jul 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`6304.19.51.5266000`

Property Details

APN / Parcel Number

Primary APN	`6304.19.51.5266000`
Alternative APNs	`413620` `48873`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,700 sqft Heated Area
Gross Area	1,319 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Condo/Apartment
Exterior Material	Fiber Cement Siding
Foundation Type	Pile
Roof Type	Gable
Roof Material	Metal
Lot Area	1,166 sqft (0.026 acres)
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	48873
Street Address	5311 OCEAN DR, E
City	EMERALD ISLE
State	NC
Zip	28594-3530
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UB MARINES MANOR CONDO
Legal Subdivision	GEORGE F SPELL
Legal Block	51
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1033
Census Tract	970903

Owner

5311 Ocean Dr, #E is owned by an individual who bought it in August 2004.

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

Owner of Record	Individual Name on File
Mailing Address	1076 OAKLAND RD, HENRICO, VA 23231-4655
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 6, 2019	Deed of Trust, Mortgage · Line of Credit MVB BK INC
Jul 29, 2018	Deed of Trust, Mortgage · Conventional with PMI MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2004 · Amount on File
Deed Sale	Aug 31, 2004 · Amount on File
Prior Sale	Dec 10, 2003
Deed Book / Page	1072 / 400
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	5311 OCEAN DR # E, E, EMERALD ISLE, NC 28594-3530
Document Number	0016380321
Instrument Date	May 6, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 OAKLAND RD RICHMOND VA 232314655, RICHMOND, VA 23231-4655

Mortgage

Document Number	0016380321
Date	May 22, 2019
Book Page	001638/000321

Lender

Name	MVB BK INC
Type	Bank
Address	RESTON, VA 20190

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	5311 OCEAN DR # E, E, EMERALD ISLE, NC 28594-3530
Document Number	0016150257
Instrument Date	Jul 29, 2018
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	TITLE 365- NLSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5311 OCEAN DR E # EMERALD ISLE NC 28594, EMERALD ISLE, NC 28594

Mortgage

Document Number	0016150257
Date	Jul 31, 2018
Book Page	001615/000257

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5311 Ocean Dr, #E was $3,519.

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		$876,846 (-) Building $876,846	$876,846 (-) Building $876,846
2025	$3,519.00	$876,846 Building $876,846	$876,846 Building $876,846
2023		$550,560 Building $550,560	$550,560 Building $550,560
2022	$3,170.00

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

Flood

FEMA maps place 5311 Ocean Dr, #E in Zone AE, a high-risk 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 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 5311 Ocean Dr, #E 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 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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