805 Rustic Ct, Morehead City, NC 28557 Property Records

Carteret County property record for 805 Rustic Ct, Morehead City, NC 28557

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,284 sqft · built 2023
Lot Size	0.689 acres (30,013 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Mar 2025)
Tax Bill	$1,294 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6376.11.67.8226000`

Property Details

APN / Parcel Number

Primary APN	`6376.11.67.8226000`
Alternative APNs	`400291` `45332`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,284 sqft Heated Area
Gross Area	2,014 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,013 sqft (0.689 acres)
Lot Dimensions	293 ft deep x 100 ft wide
Garage Type	Finished

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	45332
Street Address	805 RUSTIC CT
City	MOREHEAD CITY
State	NC
Zip	28557-4909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L6 RUSTIC PLACE
Legal Subdivision	RUSTIC PLACE
Legal Block	67
Legal Lot Number	6
Jurisdiction	CARTERET NC
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2001
Census Tract	970503

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	Individual Name on Record
Mailing Address	805 RUSTIC CT, MOREHEAD CITY, NC 28557-4909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jun 6, 2023	Deed of Trust, Mortgage VALLANT BUILDER FINANCE LLC
May 31, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2025 · Amount on Record
Deed Sale	Mar 3, 2025 · Amount on Record
Prior Sale	Jun 14, 2022 · Amount on Record
Deed Document Number	20251849296
Deed Book / Page	1849 / 296
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	805 RUSTIC CT, MOREHEAD CITY, NC 28557-4909
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 CALIBRE CHASE DR 104, 104, RALEIGH, NC 27609-7776

Mortgage

Document Number	0018090086
Date	Sep 13, 2023
Book Page	1809/86
Instrument	1809086

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2028
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year CMT
Max Rate	11%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	805 RUSTIC CT, MOREHEAD CITY, NC 28557-4909
Transaction Type	Mortgage
Record Updated	Jun 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018010065
Date	Jun 6, 2023
Book Page	1801/65
Instrument	1801065

Lender

Name	VALLANT BUILDER FINANCE LLC
Address	SMITHFIELD, NC 27577

Agreement

Amount	Amount Recorded

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	May 31, 2022
Property Address	805 RUSTIC CT, MOREHEAD CITY, NC 28557-4909
Document Number	0017690140
Book / Page	1769 / 140
Map Reference	MB 30 PG 134
Instrument Date	May 26, 2022
Instrument	1769140
Transaction Type	Transfer
Record Updated	Jun 8, 2022

Transaction

Amount	Amount Recorded
Tax	$145.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	803 RUSTIC CT, 803, MOREHEAD CITY, NC 28557-4909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1415 CROAKER LN, CAROLINA BEACH, NC 28428-6220
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$398,744 (-) Land $90,969 Building $307,775	$398,744 (-) Land $90,969 Building $307,775
2025	$1,294.00 (+368.84%)	$398,744 (+520.99%) Land $90,969 Building $307,775	$398,744 (+520.99%) Land $90,969 Building $307,775
2023		$64,211 Land $64,211	$64,211 Land $64,211
2022	$276.00

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	10 (1996–2018)
Claims Outside the SFHA	8 of 10
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 4 claims Hurricane Ophelia, Sep 2005 · 2 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	Moderate above 44% of the US · above 65% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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