5412 Ocean Dr, #E, Emerald Isle, NC 28594 Property Records

Carteret County property record for 5412 Ocean Dr, #E, Emerald Isle, NC 28594

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,632 sqft · built 1995
Lot Size	0.018 acres (809 sqft)
Owner	Individual Name on Record
Last Sale	$332,500 (Aug 2018)
Tax Bill	$2,568 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6304.18.41.9451000`

Property Details

APN / Parcel Number

Primary APN	`6304.18.41.9451000`
Alternative APNs	`533471` `46531`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,632 sqft Heated Area
Gross Area	960 sqft
1st Floor Area	140 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Condo/Apartment
Exterior Material	Vinyl
Foundation Type	Pile
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	809 sqft (0.018 acres)
Deck Area	24 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	46531
Street Address	5412 OCEAN DR, E
City	EMERALD ISLE
State	NC
Zip	28594-3531
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UB SECOND TO NONE CONDO
Legal Subdivision	JAMES SINGLETON S/D
Legal Block	41
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1073
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	Individual Name on Record
Mailing Address	11104 FOX MEADOW DR, HENRICO, VA 23233-2215
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Aug 3, 2018	Special Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC
Mar 5, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2018 · Amount on Record
Deed Sale	Aug 3, 2018 · Amount on Record
Prior Sale	Mar 5, 2018 · Amount on Record
Deed Document Number	20181615499
Deed Book / Page	1615 / 499
Prior Transfer Date	Mar 1, 2018
Prior Transfer Doc	0016010354
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	5412 OCEAN DR # E, E, EMERALD ISLE, NC 28594-3531
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017050120
Date	Jan 22, 2021
Book Page	1705/120
Instrument	1705120

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

August 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Aug 3, 2018
Property Address	5412 OCEAN DR # E, E, EMERALD ISLE, NC 28594-3531
Document Number	0016150499
Book / Page	1615 / 499
Map Reference	MB10Q PG659-667
Instrument Date	Jul 25, 2018
Instrument	1615499
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1661 WORTHINGTON RD STE 100, 1661, WEST PALM BEACH, FL 33409-6493

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11104 FOX MEADOW DR, HENRICO, VA 23233-2215

Mortgage

Document Number	1615500
Date	Aug 3, 2018
Instrument	1615500

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CARTERET NC
Recording Date	Mar 5, 2018
Property Address	5412 OCEAN DR # E, E, EMERALD ISLE, NC 28594-3531
Document Number	0016010354
Book / Page	001601 / 000354
Instrument Date	Feb 15, 2018
Transaction Type	Foreclosure
Record Updated	Mar 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$652.23
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust

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		$647,048 (-) Building $647,048	$647,048 (-) Building $647,048
2025	$2,568.00 (+52.77%)	$647,048 (+123.89%) Building $647,048	$647,048 (+123.89%) Building $647,048
2023		$289,000 Building $289,000	$289,000 Building $289,000
2022	$1,681.00

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 100 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 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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