9924 Bluff Ct, Emerald Isle, NC 28594 Property Records

Carteret County property record for 9924 Bluff Ct, Emerald Isle, NC 28594

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,574 sqft · built 2025
Lot Size	0.919 acres (40,032 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Oct 2021)
Tax Bill	$3,360 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`5373.12.76.6285000`

Property Details

APN / Parcel Number

Primary APN	`5373.12.76.6285000`
Alternative APNs	`552594` `37691`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Building Area	3,574 sqft Heated Area
Gross Area	6,154 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Fiber Cement Siding
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Metal
Lot Area	40,032 sqft (0.919 acres)
Lot Dimensions	218 ft deep x 107 ft wide
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	37691
Street Address	9924 BLUFF CT
City	EMERALD ISLE
State	NC
Zip	28594-1846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L5 SPINNAKERS LANDING
Legal Subdivision	SPINNAKERS REACH
Legal Block	76
Legal Lot Number	5
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2043
Census Tract	970904

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	2 Individual Names on Record
Mailing Address	3936 WHITE CHAPEL WAY, RALEIGH, NC 27615-1660
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Oct 29, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	Aug 16, 2002 · Amount on Record
Deed Document Number	20211744269
Deed Book / Page	1744 / 269
Last Transfer Date	Oct 27, 2025
Transfer Doc	0018690385
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARTERET NC
Recording Date	Oct 27, 2025
Property Address	9924 BLUFF CT, EMERALD ISLE, NC 28594-1846
Document Number	0018690385
Book / Page	1869 / 385
Map Reference	MB 28 PG 628
Instrument Date	Oct 27, 2025
Instrument	1869385
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3936 WHITE CHAPEL WAY, RALEIGH, NC 27615-1660

Mortgage

Document Number	0001869386
Date	Oct 27, 2025
Instrument	1869/386

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Oct 29, 2021
Property Address	9924 BLUFF CT, EMERALD ISLE, NC 28594-1846
Document Number	0017440269
Book / Page	1744 / 269
Instrument Date	Oct 15, 2021
Instrument	1744269
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount Recorded
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1906B WHISPER LAKE DR, WHITSETT, NC 27377-9816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3936 WHITE CHAPEL WAY, RALEIGH, NC 27615-1660

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		$1,881,856 (+90.36%) Land $600,490 Building $1,281,366	$1,881,856 (+90.36%) Land $600,490 Building $1,281,366
2025	$3,360.00 (+21.34%)	$988,592 (+104.38%) Land $600,490 Building $388,102	$988,592 (+104.38%) Land $600,490 Building $388,102
2023		$483,711 Land $483,711	$483,711 Land $483,711
2022	$2,769.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
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

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 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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