5409 Cedar Tree Ln, Emerald Isle, NC 28594 Property Records

Carteret County property record for 5409 Cedar Tree Ln, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1996
Lot Size	0.249 acres (10,846 sqft)
Owner	Individual Name on File
Tax Bill	$1,484 (2025)
Deeds & Mortgages	Mar 2021 Reverse Mortgage Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6304.18.41.8914000`

Property Details

APN / Parcel Number

Primary APN	`6304.18.41.8914000`
Alternative APNs	`511015` `67790`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Heated Area
Gross Area	1,936 sqft
1st Floor Area	308 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Pile
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,846 sqft (0.249 acres)
Lot Dimensions	133 ft deep x 80 ft wide
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	80 sqft
Deck Area	68 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	67790
Street Address	5409 CEDAR TREE LN
City	EMERALD ISLE
State	NC
Zip	28594-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L16 B22A EMERALD ISLE
Legal Subdivision	EMERALD ISLE BY SEA
Legal Block	41
Legal Lot Number	16
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1079
Census Tract	970903

Owner

5409 Cedar Tree Ln is owned and occupied by an individual who acquired it in February 2017.

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

Owner of Record	Individual Name on File
Mailing Address	5409 CEDAR TREE LN, EMERALD ISLE, NC 28594-3506
Occupancy	Owner Occupied
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 1, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Apr 18, 2017	Deed of Trust, Mortgage · FHA Mortgage REVERSE MORTGAGES.COM
Apr 18, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 2, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 2, 2017
Transfer Doc	0015660179
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	5409 CEDAR TREE LN, EMERALD ISLE, NC 28594-3506
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017100190
Date	Mar 1, 2021
Book Page	1710/190
Instrument	1710190

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	907 Months
Due	Oct 30, 2096

Interest

Rate Type	Adjustable Rate
Rate	2.38%
Type Change Date	Apr 1, 2021
Change Frequency	Monthly
Index	1-Year CMT

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	5409 CEDAR TREE LN, EMERALD ISLE, NC 28594-3506
Document Number	0015740010
Instrument Date	Apr 18, 2017
Transaction Type	Mortgage
Record Updated	May 2, 2017
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5409 CEDAR TREE LN EMERALD ISLE NC 285943506, EMERALD ISLE, NC 28594-3506

Mortgage

Document Number	0015740010
Date	Apr 25, 2017
Book Page	001574/000010

Lender

Name	REVERSE MORTGAGES.COM
Address	COLUMBIA, MO 65203

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	948 Months
Due	Apr 24, 2096

Interest

Rate Type	Adjustable Rate
Rate	4.39%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	5409 CEDAR TREE LN, EMERALD ISLE, NC 28594-3506
Document Number	0015740011
Instrument Date	Apr 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5409 CEDAR TREE LN EMERALD ISLE NC 285943506, EMERALD ISLE, NC 28594-3506

Mortgage

Document Number	0015740011
Date	Apr 25, 2017
Book Page	001574/000011

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	948 Months
Due	Apr 24, 2096

Interest

Rate Type	Adjustable Rate
Rate	4.39%

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARTERET NC
Recording Date	Feb 2, 2017
Property Address	5409 CEDAR TREE LN, EMERALD ISLE, NC 28594-3506
Document Number	0015660179
Book / Page	001566 / 000179
Instrument Date	Feb 2, 2017
Transaction Type	Transfer
Record Updated	Feb 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5409 CEDAR TREE LN EMERALD ISLE NC 285943506, EMERALD ISLE, NC 28594-3506

Tax Assessment & Valuation

The 2025 property tax bill for 5409 Cedar Tree Ln was $1,484.

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		$637,090 (-) Land $250,841 Building $386,249	$637,090 (-) Land $250,841 Building $386,249
2025	$1,484.00	$637,090 Land $250,841 Building $386,249	$637,090 Land $250,841 Building $386,249
2023		$356,760 Land $199,680 Building $157,080	$356,760 Land $199,680 Building $157,080
2022	$2,010.00

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

Flood

FEMA maps place 5409 Cedar Tree Ln in Zone X, an area of minimal flood risk, within 500 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 500 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

The area around 5409 Cedar Tree Ln 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 176 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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