Carteret County property record for 9914 Bluff Ct, Emerald Isle, NC 28594 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2004 |
| Square Footage | 3,868 sqft Heated Area |
| Lot Size | 33,323 sqft (0.764 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $915,000 (2018) |
| Tax Bill | $6,265.00 (2025) |
| Primary APN | 5373.12.76.8583000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,868 sqft Heated Area |
| Gross Area | 2,095 sqft Gross Area |
| Stories | 3 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Elevator | Elevator |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other Style |
| Exterior Material | Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior |
| Foundation Type | Concrete Foundation |
| Roof Construction | Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 33,323 sqft (0.764 acres) |
| Depth X Width | 187 ft x 75 ft Depth x Width |
| Pool Area | 144 sqft Pool |
|---|---|
| Deck Area | 120 sqft Deck |
| Porch | Porch |
| Porch Area | 483 sqft Porch |
| Boat Lift | Boat Lift |
| Boat Access | Boat Access |
| Utility Building | 8 sqft Utility Building |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 44096 |
|---|---|
| Street Address | 9914 BLUFF CT |
| City | EMERALD ISLE |
| State | NC |
| Zip | 28594-1846 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | L10 SPINNAKERS LANDING |
| Legal Subdivision | SPINNAKERS REACH |
| Legal Lot Number | 10 |
| Jurisdiction | CARTERET NC |
| Minor Civil Division | WHITE OAK |
| Census Blockgroup | 2 |
| Census Block | 2043 |
| Census Tract | 970904 |
Source: Carteret County records · APN 5373.12.76.8583000
Assessment roll updated January 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 9914 BLUFF CT, EMERALD ISLE, NC 28594-1846 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Aug 30, 2018 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) FIRST CITIZENS BANK & TRUST CO |
| Feb 08, 2017 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 30, 2018 · Amount on Record |
| Deed Sale | Aug 30, 2018 · Amount on Record |
| Prior Sale | May 26, 2011 · Amount on Record |
| Deed Doc Number | 0001618223 |
| Deed Book / Page | 1618 / 223 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 9914 BLUFF CT, EMERALD ISLE, NC 28594-1846 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0017410440 |
|---|---|
| Date | Oct 11, 2021 |
| Book Page | 1741/440 |
| Instrument | 1741440 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Aug 30, 2018 |
| Property Address | 9914 BLUFF RD, EMERALD ISLE, NC 28594-1846 |
| Document Number | 0016180223 |
| Book / Page | 1618 / 223 |
| Map Reference | MB28 PG628 |
| Instrument Date | Aug 16, 2018 |
| Instrument | 1618223 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,830.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 154 VERCELLI DR, 154, CLAYTON, NC 27527-9235 |
| Name | Verified Name |
|---|---|
| Address | 9914 BLUFF RD, EMERALD ISLE, NC 28594-1846 |
| Document Number | 1618224 |
|---|---|
| Date | Aug 30, 2018 |
| Instrument | 1618224 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Sep 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.5% |
| Index | 1-Year LIBOR |
| Max Rate | 9.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 9914 BLUFF RD, EMERALD ISLE, NC 28594-1846 |
| Document Number | 0015670274 |
| Book / Page | 001567 / 000274 |
| Instrument Date | Feb 08, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2017 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 9914 BLUFF CT EMERALD ISLE NC 28594, EMERALD ISLE, NC 28594 |
| Document Number | 0015670274 |
|---|---|
| Date | Feb 16, 2017 |
| Book Page | 001567/000274 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Carteret County records · Assessment roll updated January 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Carteret County |
| Municipality | Emerald Isle Town |
| Unified School District | Carteret County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,265.00 (+38.67%) | $1,767,373 (+102.25%) Land $655,707 Building $1,111,666 | $1,767,373 (+102.25%) Land $655,707 Building $1,111,666 |
| 2023 | $873,842 Land $393,043 Building $480,799 | $873,842 Land $393,043 Building $480,799 | |
| 2022 | $4,518.00 |
Source: FEMA National Flood Hazard Layer, Carteret County (37031C), updated January 17, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone VE coastal, wave action |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Coastal | Yes |
| Wildfire Risk | Low above 34% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 4,545 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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