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5420 Emerald Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 5420 Emerald Dr, Emerald Isle, NC 28594

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,320 sqft · built 1991
Lot Size0.26 acres (11,326 sqft)
OwnerIndividual Name on Record
Last Sale$430,000 (Aug 2005)
Tax Bill$2,847 (2025)
Deeds & MortgagesJan 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN6304.18.41.3791000

Property Details

APN / Parcel Number

Primary APN6304.18.41.3791000
Alternative APNs
  • 512102
  • 24386

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,320 sqft Heated Area
Gross Area1,116 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1996
Architectural StyleContemporary
Exterior MaterialWood
Foundation TypePile
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area11,326 sqft (0.26 acres)
Lot Dimensions150 ft deep x 75 ft wide
Garage TypeCarport
CarportCarport
Deck Area8 sqft
Utility Building302 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric

Location & Zoning

Account Number24386
Street Address5420 EMERALD DR
CityEMERALD ISLE
StateNC
Zip28594-3513
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionL3 B22A EMERALD ISLE
Legal SubdivisionEMERALD ISLE BY THE SEA
Legal Block41
Legal Lot Number3
JurisdictionCARTERET NC
Township / Civil DivisionWHITE OAK
Census Block Group1
Census Block1079
Census Tract970903

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 RecordIndividual Name on Record
Mailing Address5420 EMERALD DR, EMERALD ISLE, NC 28594-3513
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 17, 2005 · Amount on Record
Deed SaleAug 17, 2005 · Amount on Record
Prior SaleJul 18, 2003 · Amount on Record
Deed Document Number20051127392
Deed Book / Page1127 / 392
Last Transfer DateJan 30, 2016
Transfer Doc0015640344
Record UpdatedOct 29, 2026

January 2017: Quit Claim Deed, Mortgage

Document TypeQuit Claim Deed
JurisdictionCARTERET NC
Recording DateJan 27, 2017
Property Address5420 EMERALD DR, EMERALD ISLE, NC 28594-3513
Document Number0015650344
Book / Page001565 / 000344
Instrument DateNov 30, 2016
Transaction TypeMortgage
Record UpdatedFeb 2, 2017
Title CompanySERVICELINK

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5420 EMERALD DR EMERALD ISLE NC 285943513, EMERALD ISLE, NC 28594-3513

Mortgage

Document Number15650345,
DateJan 27, 2017
Book Page001565/000345
Lender
NameDITECH FIN'L
AddressTAMPA, FL 33607
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueJan 26, 2037

Tax Assessment & Valuation

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCarteret County
MunicipalityEmerald Isle Town
Unified School DistrictCarteret County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$731,759 (-) Land $329,760 Building $401,999$731,759 (-) Land $329,760 Building $401,999
2025$2,847.00 (+46.75%)$731,759 (+113.78%) Land $329,760 Building $401,999$731,759 (+113.78%) Land $329,760 Building $401,999
2023$342,300 Land $201,600 Building $140,700$342,300 Land $201,600 Building $140,700
2022$1,940.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 760 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies965 units insured
incl. 205 condo units
Nearby Flood Claims1,172 (1982–2024)
Claims Outside the SFHA778 of 1,172
Most Recent ClaimSep 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 RiskNot 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 SystemBOGUE BANKS WATER CORPORATION
private · serves 4,995 people · EPA ID NC0416028
Water SourceGroundwater
Last State InspectionJun 2025
Lead4 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Apr 2020
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Emerald Dr

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