6803 Emerald Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 6803 Emerald Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,814 sqft · built 2007
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$556,000 (Mar 2011)
Tax Bill	$5,090 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5394.20.90.1690000`

Property Details

APN / Parcel Number

Primary APN	`5394.20.90.1690000`
Alternative APNs	`481949` `46104`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	3 Stories
Building Area	3,814 sqft Heated Area
Gross Area	2,205 sqft
1st Floor Area	15 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Fiber Cement Siding
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	158 ft deep x 85 ft wide

Exterior Amenities

Pool Area	260 sqft
Porch	Porch
Porch Area	132 sqft
Deck Area	44 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	46104
Street Address	6803 EMERALD DR
City	EMERALD ISLE
State	NC
Zip	28594-3212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L5 BB SHELL COVE
Legal Subdivision	SHELL COVE
Legal Block	90
Legal Lot Number	5
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1033
Census Tract	970903

Owner

6803 Emerald Dr is owned and occupied by two individuals who bought it in March 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	6803 EMERALD DR, EMERALD ISLE, NC 28594-3212
Occupancy	Owner Occupied
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
Oct 26, 2021	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU
Nov 23, 2020	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2011 · Amount on File
Deed Sale	Mar 2, 2011 · Amount on File
Prior Sale	Sep 10, 2009 · Amount on File
Deed Document Number	20111369151
Deed Book / Page	1369 / 151
Prior Transfer Date	Sep 4, 2009
Prior Transfer Doc	0013200418
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	6803 EMERALD DR, EMERALD ISLE, NC 28594-3212
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017440025
Date	Oct 26, 2021
Book Page	1744/25
Instrument	1744025

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	6803 EMERALD DR, EMERALD ISLE, NC 28594-3212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016970144
Date	Nov 23, 2020
Book Page	1697/144
Instrument	1697144

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 6803 Emerald Dr was $5,090.

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		$1,411,323 (-) Land $333,540 Building $1,077,783	$1,411,323 (-) Land $333,540 Building $1,077,783
2025	$5,090.00	$1,411,323 Land $333,540 Building $1,077,783	$1,411,323 Land $333,540 Building $1,077,783
2023		$680,585 Land $104,720 Building $575,865	$680,585 Land $104,720 Building $575,865
2022	$3,580.00

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

Flood

FEMA maps place 6803 Emerald Dr 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

Wildfire risk around 6803 Emerald Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Brightspeed.

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