Carteret County property record for 809 Emerald Dr, Emerald Isle, NC 28594
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2 ba · 2,340 sqft · built 2021 |
| Lot Size | 0.031 acres (1,350 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $293,000 (Apr 2017) |
| Tax Bill | $4,024 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6324.10.35.8480000 |
| Primary APN | 6324.10.35.8480000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 2,340 sqft Heated Area |
| Gross Area | 1,268 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 1,350 sqft (0.031 acres) |
| Lot Dimensions | 120 ft deep x 37 ft wide |
| Deck Area | 13 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 35114 |
|---|---|
| Street Address | 809 EMERALD DR |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-6826 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | E UNIT EMERALD DREAMS CONDO |
| Legal Subdivision | EMERALD ISLE BY THE SEA |
| Legal Block | 35 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 970903 |
Source: Carteret County assessment roll, as of November 24, 2025
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 File |
|---|---|
| Mailing Address | 809 EMERALD DR, EMERALD ISLE, NC 28594-6826 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Apr 11, 2022 | Deed of Trust, Mortgage · Line of Credit COASTAL BANK & TRUST |
| Aug 20, 2020 | Deed of Trust, Mortgage · Line of Credit COASTAL BANK & TRUST |
| Apr 27, 2017 | Warranty Deed, Transfer · Conventional Mortgage PENTAGON FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 27, 2017 · Amount on Record |
| Deed Sale | Apr 27, 2017 · Amount on Record |
| Prior Sale | Dec 1, 2011 · Amount on Record |
| Deed Document Number | 20171574152 |
| Deed Book / Page | 1574 / 152 |
| Prior Transfer Date | Jun 15, 2006 |
| Prior Transfer Doc | 0011760137 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 809 EMERALD DR, EMERALD ISLE, NC 28594-6826 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0017470346 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 1747/346 |
| Instrument | 1747346 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Index | 1-Month LIBOR |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 809 EMERALD DR, EMERALD ISLE, NC 28594-6826 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 809 EMERALD DR, EMERALD ISLE, NC 28594-6826 |
| Document Number | 0017630346 |
|---|---|
| Date | Apr 11, 2022 |
| Book Page | 1763/346 |
| Instrument | 1763346 |
| Name | COASTAL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MOREHEAD CITY, NC 28557 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 809 EMERALD DR # E, E, EMERALD ISLE, NC 28594-6826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCOMMODATION |
| Name | Verified Name |
|---|
| Document Number | 0016840047 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | 1684/47 |
| Instrument | 1684047 |
| Name | COASTAL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, NC 28546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Apr 27, 2017 |
| Property Address | 809 EMERALD DR # E, E, EMERALD ISLE, NC 28594-6826 |
| Document Number | 0015740152 |
| Book / Page | 1574 / 152 |
| Map Reference | MB1573 PG30 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 1574152 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $586.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 5377, EMERALD ISLE, NC 28594-5377 |
| Name | Verified Name |
|---|---|
| Address | 809 EMERALD DR, EMERALD ISLE, NC 28594-6826 |
| Document Number | 1574153 |
|---|---|
| Date | Apr 27, 2017 |
| Instrument | 1574153 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
Source: Carteret County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Municipality | Emerald Isle Town |
| Unified School District | Carteret County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,024.00 (+26,726.67%) | $1,088,412 (+197.39%) Land $300,000 Building $788,412 | $1,088,412 (+197.39%) Land $300,000 Building $788,412 |
| 2023 | $365,982 Land $107,892 Building $258,090 | $365,982 Land $107,892 Building $258,090 | |
| 2022 | $15.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 |
| 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.
Source: FCC Broadband Data Collection, based on 105 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 |
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