7120 Canal Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 7120 Canal Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,394 sqft · built 2020
Lot Size	0.324 acres (14,113 sqft)
Owner	2 Individual Names on File
Last Sale	$740,000 (Feb 2025)
Tax Bill	$3,177 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`5394.19.60.4502000`

Property Details

APN / Parcel Number

Primary APN	`5394.19.60.4502000`
Alternative APNs	`101161` `77747`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,394 sqft Heated Area
Gross Area	1,978 sqft
1st Floor Area	502 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Foundation Type	Pile
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,113 sqft (0.324 acres)
Lot Dimensions	100 ft deep x 131 ft wide
Garage Type	Carport
Carport	Carport
Porch	Slab
Deck Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	77747
Street Address	7120 CANAL DR
City	EMERALD ISLE
State	NC
Zip	28594-3111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L65 BH S3 ARCHERS POINT
Legal Subdivision	ARCHERS POINT
Legal Block	60
Legal Lot Number	65
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1045
Census Tract	970903

Owner

7120 Canal Dr is owned and occupied by two individuals who bought it in February 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	7120 CANAL DR, EMERALD ISLE, NC 28594-3111
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 4, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
May 5, 2020	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Nov 25, 2019	Deed of Trust, Mortgage · Construction Mortgage TRUIST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2025 · Amount on File
Deed Sale	Feb 4, 2025 · Amount on File
Prior Sale	May 5, 2020 · Amount on File
Deed Document Number	20251847301
Deed Book / Page	1847 / 301
Record Updated	Oct 29, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Feb 4, 2025
Property Address	7120 CANAL DR, EMERALD ISLE, NC 28594-3111
Document Number	0018470301
Book / Page	1847 / 301
Map Reference	MB 31 PG 771
Instrument Date	Jan 13, 2025
Instrument	1847301
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount 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	8435 CHANCELLOR DR, COLORADO SPRINGS, CO 80920-7041

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7120 CANAL DR, EMERALD ISLE, NC 28594-3111

Mortgage

Document Number	0001847302
Date	Feb 4, 2025
Instrument	1847/302

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.97%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.9%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.9%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	May 5, 2020
Property Address	7120 CANAL DR, EMERALD ISLE, NC 28594-3111
Document Number	0016710040
Book / Page	001671 / 000040
Instrument Date	May 4, 2020
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7120 CANAL DR EMERALD ISLE NC 28594, EMERALD ISLE, NC 28594

Mortgage

Document Number	16710041
Date	May 5, 2020
Book Page	001671/000041

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 4, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	7120 CANAL DR, EMERALD ISLE, NC 28594-3111
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 6, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3420 LAKEVIEW TRL KINSTON NC 285048181, KINSTON, NC 28504-8181

Mortgage

Document Number	16570488
Date	Dec 17, 2019
Book Page	001657/000488

Lender

Name	TRUIST BK
Address	MOREHEAD CITY, NC 28557-3317

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 7120 Canal Dr was $3,177.

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		$831,700 (-) Land $292,980 Building $538,720	$831,700 (-) Land $292,980 Building $538,720
2025	$3,177.00	$831,700 Land $292,980 Building $538,720	$831,700 Land $292,980 Building $538,720
2023		$311,293 Land $110,285 Building $201,008	$311,293 Land $110,285 Building $201,008
2022	$1,519.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 7120 Canal Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
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 7120 Canal Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.03% 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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed.

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