6903 Canal Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 6903 Canal Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,220 sqft · built 1992
Lot Size	0.289 acres (12,589 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Nov 2005)
Tax Bill	$3,735 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5394.20.80.0685000`

Property Details

APN / Parcel Number

Primary APN	`5394.20.80.0685000`
Alternative APNs	`434092` `32372`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,220 sqft Heated Area
Gross Area	2,768 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	Pile
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,589 sqft (0.289 acres)
Lot Dimensions	170 ft deep x 75 ft wide
Garage Type	Mixed
Deck Area	13 sqft
Utility Building	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	32372
Street Address	6903 CANAL DR
City	EMERALD ISLE
State	NC
Zip	28594-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L6 B28 NORTH COLUMBUS SQUARE
Legal Subdivision	COLUMBUS SQUARE
Legal Block	80
Legal Lot Number	6
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1045
Census Tract	970903

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 Record	2 Individual Names on Record
Mailing Address	6903 CANAL DR, EMERALD ISLE, NC 28594-3204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Deed of Trust, Mortgage · Line of Credit COASTAL BANK & TRUST
Mar 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 18, 2014	Deed of Trust, Mortgage · Conventional with PMI STATE EMPS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2005 · Amount on Record
Deed Sale	Nov 30, 2005 · Amount on Record
Prior Sale	Jun 29, 2001 · Amount on Record
Deed Document Number	20051145399
Deed Book / Page	1145 / 399
Last Transfer Date	Oct 28, 2011
Transfer Doc	0013900113
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	6903 CANAL DR, EMERALD ISLE, NC 28594-3204
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6903 CANAL DR, EMERALD ISLE, NC 28594-3204

Mortgage

Document Number	0018190071
Date	Feb 5, 2024
Book Page	1819/71
Instrument	1819071

Lender

Name	COASTAL BANK & TRUST
Type	Bank
Address	JACKSONVILLE, NC 28546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	6903 CANAL DR, EMERALD ISLE, NC 28594-3204
Transaction Type	Mortgage
Record Updated	Mar 31, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017610197
Date	Mar 24, 2022
Book Page	1761/197
Instrument	1761197

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	6903 CANAL DR, EMERALD ISLE, NC 28594-3204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016880125
Date	Sep 21, 2020
Book Page	1688/125
Instrument	1688125

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

September 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	6903 CANAL DR, EMERALD ISLE, NC 28594-3204
Document Number	0016350421
Instrument Date	Sep 18, 2014
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6903 CANAL DR EMERALD ISLE NC 285943204, EMERALD ISLE, NC 28594-3204

Mortgage

Document Number	0016350421
Date	Apr 23, 2019
Book Page	001635/000421

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	300 Months
Due	Apr 22, 2044

Interest

Rate	3.75%

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		$1,000,807 (-) Land $205,248 Building $795,559	$1,000,807 (-) Land $205,248 Building $795,559
2025	$3,735.00 (+143.32%)	$1,000,807 (+175.16%) Land $205,248 Building $795,559	$1,000,807 (+175.16%) Land $205,248 Building $795,559
2023		$363,723 Land $115,732 Building $247,991	$363,723 Land $115,732 Building $247,991
2022	$1,535.00

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 100 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	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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