5426 Ocean Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 5426 Ocean Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,896 sqft · built 1994
Lot Size	0.323 acres (14,070 sqft)
Owner	2 Individual Names on File
Last Sale	$740,000 (Apr 2020)
Tax Bill	$3,876 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`6304.18.41.4224000`

Property Details

APN / Parcel Number

Primary APN	`6304.18.41.4224000`
Alternative APNs	`123634` `53879`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,896 sqft Heated Area
Gross Area	1,765 sqft
1st Floor Area	344 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1997
Exterior Material	Fiber Cement Siding
Foundation Type	Pile
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,070 sqft (0.323 acres)
Lot Dimensions	180 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	204 sqft
Carport	Carport
Carport Area	204 sqft
Porch	Slab
Porch Area	110 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	53879
Street Address	5426 OCEAN DR
City	EMERALD ISLE
State	NC
Zip	28594
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L27 B22 EMERALD ISLE
Legal Subdivision	JAMES SINGLETON S/D
Legal Block	41
Legal Lot Number	27
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1073
Census Tract	970903

Owner

5426 Ocean Dr is owned by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	12900 FOX MEADOW DR, HENRICO, VA 23233-2297
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Apr 28, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Aug 9, 2019	Deed of Trust, Mortgage · Line of Credit PROVIDENCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2020 · Amount on File
Deed Sale	Apr 28, 2020 · Amount on File
Prior Sale	Jun 8, 2012 · Amount on File
Deed Document Number	20201670185
Deed Book / Page	1670 / 185
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Apr 28, 2020
Property Address	5426 OCEAN DR, EMERALD ISLE, NC 28594
Document Number	0016700185
Book / Page	1670 / 185
Map Reference	MB 5 PG 28
Instrument Date	Apr 8, 2020
Instrument	1670185
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 N SWAIN ST, 5, RALEIGH, NC 27601-1166

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12900 FOX MEADOW DR, HENRICO, VA 23233-2297

Mortgage

Document Number	1670186
Date	Apr 28, 2020
Instrument	1670-186

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

Interest

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	5426 OCEAN DR, EMERALD ISLE, NC 28594
Document Number	0016450457
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5426 OCEAN DR EMERALD ISLE NC 28594, EMERALD ISLE, NC 28594

Mortgage

Document Number	0016450457
Date	Aug 9, 2019
Book Page	001645/000457

Lender

Name	PROVIDENCE BK
Type	Bank
Address	WILSON, NC 27896

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5426 Ocean Dr was $3,876.

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		$1,043,424 (-) Land $477,875 Building $565,549	$1,043,424 (-) Land $477,875 Building $565,549
2025	$3,876.00	$1,043,424 Land $477,875 Building $565,549	$1,043,424 Land $477,875 Building $565,549
2023		$718,420 Land $490,050 Building $228,370	$718,420 Land $490,050 Building $228,370
2022	$3,764.00

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

Flood

FEMA maps place 5426 Ocean Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 5426 Ocean Dr 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

Nearby Properties on Ocean Dr

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