5423 Cedar Tree Ln, Emerald Isle, NC 28594 Property Records

Carteret County property record for 5423 Cedar Tree Ln, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,688 sqft · built 2002
Lot Size	0.519 acres (22,608 sqft)
Owner	Trust Name on File
Last Sale	$44,500 (Jun 2000)
Tax Bill	$3,587 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Sep 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6304.18.41.2855000`

Property Details

APN / Parcel Number

Primary APN	`6304.18.41.2855000`
Alternative APNs	`130344` `556063` `34055`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,688 sqft Heated Area
Gross Area	2,725 sqft
1st Floor Area	352 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,608 sqft (0.519 acres)
Lot Dimensions	193 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	760 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	180 sqft
Deck Area	221 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	34055
Street Address	5423 CEDAR TREE LN
City	EMERALD ISLE
State	NC
Zip	28594-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L23 B22A EMERALD ISLE
Legal Subdivision	EMERALD ISLE
Legal Block	41
Legal Lot Number	23
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1079
Census Tract	970903

Owner

5423 Cedar Tree Ln is owner-occupied and held in a trust since March 2006.

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

Owner of Record	Trust Name on File
Mailing Address	5423 CEDAR TREE LN, EMERALD ISLE, NC 28594-3506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Sep 26, 2022	Intrafamily Transfer, Transfer
Jan 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2000 · Amount on File
Deed Sale	Jun 29, 2000 · Amount on File
Deed Book / Page	885 / 742
Last Transfer Date	Mar 16, 2006
Transfer Doc	0001163097
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	5423 CEDAR TREE LN, EMERALD ISLE, NC 28594-3506
Transaction Type	Mortgage
Record Updated	Dec 12, 2022
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017860039
Date	Nov 30, 2022
Book Page	1786/39
Instrument	1786039

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARTERET NC
Recording Date	Sep 26, 2022
Property Address	5423 CEDAR TREE LN, EMERALD ISLE, NC 28594-3506
Document Number	0017800271
Book / Page	1780 / 271
Map Reference	MB 1430 PG 28
Instrument Date	Jun 23, 2022
Instrument	1780271
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5423 CEDAR TREE LN, EMERALD ISLE, NC 28594-3506

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	5423 CEDAR TREE LN, EMERALD ISLE, NC 28594-3506
Document Number	0015660468
Book / Page	001566 / 000468
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5423 CEDAR TREE LN EMERALD ISLE NC 285943506, EMERALD ISLE, NC 28594-3506

Mortgage

Document Number	0015660468
Date	Feb 9, 2017
Book Page	001566/000468

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Feb 8, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 5423 Cedar Tree Ln was $3,587.

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		$955,869 (-) Land $262,491 Building $693,378	$955,869 (-) Land $262,491 Building $693,378
2025	$3,587.00	$955,869 Land $262,491 Building $693,378	$955,869 Land $262,491 Building $693,378
2023		$610,119 Land $200,160 Building $409,959	$610,119 Land $200,160 Building $409,959
2022	$3,239.00

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

Flood

FEMA maps place 5423 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 5423 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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