9932 Bluff Ct, Emerald Isle, NC 28594 Property Records

Carteret County property record for 9932 Bluff Ct, Emerald Isle, NC 28594 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	6 Baths
Year Built	Built 2004
Square Footage	3,656 sqft Heated Area
Lot Size	68,084 sqft (1.56 acres)
Occupancy	Owner Occupied
Last Sale	$140,000 (2015)
Tax Bill	$7,434.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`5373.11.76.3029000`
Alternative APNs	`158647` `27224`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Building Area	3,656 sqft Heated Area
Gross Area	3,145 sqft Gross Area
Stories	3 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Roof Construction	Hip Roof Construction
Roof Material	Metal Roof
Lot Area	68,084 sqft (1.56 acres)
Depth X Width	250 ft x 6 ft Depth x Width

Exterior Amenities

Deck Area	45 sqft Deck
Porch Area	582 sqft Porch
Boat Lift	Boat Lift
Boat Access	Boat Access

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	27224
Street Address	9932 BLUFF CT
City	EMERALD ISLE
State	NC
Zip	28594-1846
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	L1 SPINAKERS LANDING
Legal Subdivision	SPINNAKERS REACH
Legal Block	76
Legal Lot Number	1
Jurisdiction	CARTERET NC
Minor Civil Division	WHITE OAK
Census Blockgroup	2
Census Block	2043
Census Tract	970904

Owner

Source: Carteret County records · APN 5373.11.76.3029000

Assessment roll updated November 24, 2025 · Last verified April 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 File
Mailing Address	9932 BLUFF CT, EMERALD ISLE, NC 28594-1846
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 17, 2015 · Amount on Record
Deed Sale	Sep 17, 2015 · Amount on Record
Prior Sale	Feb 26, 2004 · Amount on Record
Deed Doc Number	201520215
Deed Book / Page	1520 / 215
Record Refreshed	Jun 08, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	9932 BLUFF CT, EMERALD ISLE, NC 28594-1846
Transaction Type	Mortgage
Record Updated	Oct 19, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9932 BLUFF RD, EMERALD ISLE, NC 28594-1846

Mortgage

Document Number	0017780170
Date	Aug 31, 2022
Book Page	1778/170
Instrument	1778170

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Carteret County records · Assessment roll updated November 24, 2025 · Last verified April 2026

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

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	$7,434.00 (+42.61%)	$2,121,657 (+108.58%) Land $933,437 Building $1,188,220	$2,121,657 (+108.58%) Land $933,437 Building $1,188,220
2023		$1,017,170 Land $387,782 Building $629,388	$1,017,170 Land $387,782 Building $629,388
2022	$5,213.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone AE
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	9.0 ft

Wildfire

Wildfire Risk	Low above 7% of the US · above 5% of North Carolina
Wildfire Likelihood	About 1 in 6,250 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.