7906 Ocean Dr, Emerald Isle, NC 28594 Property Records

Carteret County property record for 7906 Ocean Dr, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,772 sqft · built 1972
Lot Size	0.281 acres (12,240 sqft)
Owner	Company Name on Record
Last Sale	$655,000 (Aug 2018)
Tax Bill	$4,154 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Apr 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`5393.05.17.6868000`

Property Details

APN / Parcel Number

Primary APN	`5393.05.17.6868000`
Alternative APNs	`533509` `59700`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,772 sqft Heated Area
Gross Area	1,885 sqft
1st Floor Area	1,298 sqft
Flooring	Ceramic Tile
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2016
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	139 ft deep x 85 ft wide

Exterior Amenities

Pool Area	264 sqft
Porch	Slab
Porch Area	411 sqft
Patio Area	104 sqft
Utility Building	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	59700
Street Address	7906 OCEAN DR
City	EMERALD ISLE
State	NC
Zip	28594-2837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART L8 L9 OCEAN FOREST
Legal Subdivision	OCEAN FOREST S/D
Legal Block	17
Legal Lot Number	8-9
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1033
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	Company Name on Record
Mailing Address	1002 COPELAND OAKS DR, MORRISVILLE, NC 27560-6609
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST BANK AND TRUST COMPANY
Apr 17, 2024	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 24, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 31, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 7, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Dec 20, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Aug 6, 2018	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2018 · Amount on Record
Deed Sale	Aug 6, 2018 · Amount on Record
Prior Sale	Jun 16, 2010 · Amount on Record
Deed Document Number	20181616072
Deed Book / Page	1616 / 72
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Recording Date	Apr 2, 2026
Property Address	7906 OCEAN DR, EMERALD ISLE, NC 28594-2837
Document Number	0001882138
Book / Page	1882 / 138
Instrument Date	Apr 2, 2026
Instrument	20261882138
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1002 COPELAND OAKS DR, MORRISVILLE, NC 27560-6609

Mortgage

Document Number	0001882138,
Date	Apr 2, 2026
Book Page	1882/138
Instrument	20261882138

Lender

Name	FIRST BANK AND TRUST COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	7906 OCEAN DR, EMERALD ISLE, NC 28594-2837
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018250011
Date	Apr 17, 2024
Book Page	1825/11
Instrument	1825011

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	RALEIGH, NC 27601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	7906 OCEAN DR, EMERALD ISLE, NC 28594-2837
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016210444
Date	Oct 24, 2018
Book Page	1621/444
Instrument	1621444

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	7906 OCEAN DR, EMERALD ISLE, NC 28594-2837
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016530379
Date	Oct 31, 2019
Book Page	1653/379
Instrument	1653379

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	RALEIGH, NC 27612

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	7906 OCEAN DR, EMERALD ISLE, NC 28594-2837
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1002 COPELAND OAKS DR, MORRISVILLE, NC 27560-6609

Mortgage

Document Number	0017410266
Date	Oct 7, 2021
Book Page	1741/266
Instrument	1741266

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	RALEIGH, NC 27601

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	7906 OCEAN DR, EMERALD ISLE, NC 28594-2837
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017500473
Date	Dec 20, 2021
Book Page	1750/473
Instrument	1750473

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	RALEIGH, NC 27601

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Aug 6, 2018
Property Address	7906 OCEAN DR, EMERALD ISLE, NC 28594-2837
Document Number	0016160072
Book / Page	1616 / 072
Map Reference	MB8 PG3
Instrument Date	Aug 6, 2018
Instrument	1616072
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1789 BROOKS AVE, 1789, RALEIGH, NC 27607-6617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1002 COPELAND OAKS DR, MORRISVILLE, NC 27560-6609

Mortgage

Document Number	0001616073
Date	Aug 6, 2018
Instrument	1616073

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$1,117,518 (+8.89%) Land $547,440 Building $570,078	$1,117,518 (+8.89%) Land $547,440 Building $570,078
2025	$4,154.00 (+25.88%)	$1,026,325 (+64.81%) Land $547,440 Building $478,885	$1,026,325 (+64.81%) Land $547,440 Building $478,885
2023		$622,742 Land $231,331 Building $391,411	$622,742 Land $231,331 Building $391,411
2022	$3,300.00

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 99.1% of the US · lower than 99.5% 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 441 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Brightspeed.

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