5505 Emerald Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 5505 Emerald Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,680 sqft · built 1986
Lot Size	0.169 acres (7,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Apr 2020)
Tax Bill	$2,787 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Feb 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6304.18.41.0309000`

Property Details

APN / Parcel Number

Primary APN	`6304.18.41.0309000`
Alternative APNs	`441368` `34366`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,680 sqft Heated Area
Gross Area	1,200 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,362 sqft (0.169 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	34366
Street Address	5505 EMERALD DR
City	EMERALD ISLE
State	NC
Zip	28594-3516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L5 W B MCLEAN SD
Legal Subdivision	WB MCLEAN S/D
Legal Block	41
Legal Lot Number	5
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1044
Census Tract	970903

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5505 EMERALD DR, EMERALD ISLE, NC 28594-3516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2020	Warranty Deed, Transfer · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP
Feb 6, 2020	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
Feb 23, 2018	Loan Modification, Mortgage · Conventional with PMI WFB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2020 · Amount on Record
Deed Sale	Apr 2, 2020 · Amount on Record
Prior Sale	Jun 15, 2007 · Amount on Record
Deed Document Number	20201668032
Deed Book / Page	1668 / 32
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Apr 2, 2020
Property Address	5505 EMERALD DR, EMERALD ISLE, NC 28594-3516
Document Number	0016680032
Book / Page	1668 / 32
Map Reference	MB 7 PG 25
Instrument Date	Apr 1, 2020
Instrument	1668032
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 959, STAUNTON, VA 24402-0959

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5505 EMERALD DR, EMERALD ISLE, NC 28594-3516

Mortgage

Document Number	1668033
Date	Apr 2, 2020
Instrument	1668-033

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARTERET NC
Property Address	5505 EMERALD DR, EMERALD ISLE, NC 28594-3516
Document Number	0016650462
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 959 STAUNTON VA 244020959, STAUNTON, VA 24402-0959

Mortgage

Document Number	0016650462
Date	Mar 13, 2020
Book Page	001665/000462

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	480 Months
Due	Mar 12, 2060

Interest

Rate	3.62%

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARTERET NC
Property Address	5505 EMERALD DR, EMERALD ISLE, NC 28594-3516
Document Number	0016030242
Instrument Date	Feb 23, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 959 STAUNTON VA 244020959, STAUNTON, VA 24402-0959

Mortgage

Document Number	0016030242
Date	Mar 23, 2018
Book Page	001603/000242

Lender

Name	WFB NA
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	480 Months
Due	Mar 22, 2058

Interest

Rate Type	Fixed Rate
Rate	3.87%

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		$713,378 (-) Land $318,294 Building $395,084	$713,378 (-) Land $318,294 Building $395,084
2025	$2,787.00 (+56.22%)	$713,378 (+130.04%) Land $318,294 Building $395,084	$713,378 (+130.04%) Land $318,294 Building $395,084
2023		$310,114 Land $185,895 Building $124,219	$310,114 Land $185,895 Building $124,219
2022	$1,784.00

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 500 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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