9916 Bluff Ct, Emerald Isle, NC 28594 Property Records

Carteret County property record for 9916 Bluff Ct, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,928 sqft · built 2022
Lot Size	0.663 acres (28,880 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Jul 2021)
Tax Bill	$4,951 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Nov 2021 Construction Loan + 1 more
Flood Zone	Zone X (moderate risk)
APN	`5373.12.76.8388000`

Property Details

APN / Parcel Number

Primary APN	`5373.12.76.8388000`
Alternative APNs	`552688` `49013`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,928 sqft Heated Area
Gross Area	1,420 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,880 sqft (0.663 acres)
Lot Dimensions	200 ft deep x 75 ft wide
Porch	Slab
Patio Area	1 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	49013
Street Address	9916 BLUFF CT
City	EMERALD ISLE
State	NC
Zip	28594-1846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L9 SPINNAKERS LANDING
Legal Subdivision	SPINNAKERS LANDING
Legal Block	76
Legal Lot Number	9
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2043
Census Tract	970904

Owner

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	9916 BLUFF CT, EMERALD ISLE, NC 28594-1846
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage COASTAL BANK & TRUST
Nov 5, 2021	Intrafamily Transfer, Transfer · Construction Mortgage COASTAL BANK & TRUST
Jul 1, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage R RANDOLPN REID

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 1, 2021 · Amount on Record
Deed Sale	Jul 1, 2021 · Amount on Record
Prior Sale	May 29, 2003 · Amount on Record
Deed Document Number	20211728482
Deed Book / Page	1728 / 482
Last Transfer Date	Nov 5, 2021
Transfer Doc	0017450306
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	9916 BLUFF CT, EMERALD ISLE, NC 28594-1846
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017700306
Date	Jun 14, 2022
Book Page	1770/306
Instrument	4770306

Lender

Name	COASTAL BANK & TRUST
Type	Bank
Address	23854

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARTERET NC
Recording Date	Nov 5, 2021
Property Address	9916 BLUFF CT, EMERALD ISLE, NC 28594-1846
Document Number	0017450306
Book / Page	1745 / 306
Map Reference	MB 28 PG 628
Instrument Date	Nov 5, 2021
Instrument	1745306
Transaction Type	Transfer
Record Updated	Oct 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2862, SURF CITY, NC 28445-0047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2862, SURF CITY, NC 28445-0047

Mortgage

Document Number	0001745307
Date	Nov 5, 2021
Instrument	1745-307

Lender

Name	COASTAL BANK & TRUST
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 1, 2021
Property Address	9916 BLUFF CT, EMERALD ISLE, NC 28594-1846
Document Number	0017280482
Book / Page	1728 / 482
Map Reference	MB 28 PG 628
Instrument Date	Jun 28, 2021
Instrument	1728482
Transaction Type	Transfer
Record Updated	Oct 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2009 RACCOON RUN, CLAYTON, NC 27527-8822

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2862, SURF CITY, NC 28445-0047

Mortgage

Document Number	0001728483
Date	Jul 1, 2021
Instrument	1728-483

Lender

Name	R RANDOLPN REID
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jul 1, 2023

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
2025	$4,951.00 (+150.81%)	$1,369,104 (+88.73%) Land $617,428 Building $751,676	$1,369,104 (+88.73%) Land $617,428 Building $751,676
2023		$725,445 Land $399,227 Building $326,218	$725,445 Land $399,227 Building $326,218
2022	$1,974.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 604 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1,140 units insured incl. 536 condo units
Nearby Flood Claims	86 (1996–2024)
Claims Outside the SFHA	27 of 86
Most Recent Claim	Sep 2024 · Potential Tropical Cyclone Eight
Claims by Event	Hurricane Florence, Sep 2018 · 68 claims Hurricane Irene, Aug 2011 · 2 claims Hurricane Ophelia, Sep 2005 · 4 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 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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