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Single Family ResidenceResidential
$608,753$364 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $200,000 on Aug 28, 2003

404 TERN TER

EMERALD ISLE, NC 28594
3
Beds
2
Baths
1,672 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$609K
$521K low$696K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$200,000 · Aug 28, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,346 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$579,835 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$279,214
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$300,621
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$300,049
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$579,835

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.61
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
86
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
82
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
8
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.120 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.52%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Contemporary
CountyCARTERET
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1998
Lot (acres)The size of the land the home sits on, from county records.0.32
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 104 ft²Porch · 144 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
White Oak Elementary SchoolA
Elementary · Grades PK–5 · 2.6 mi
H
Croatan High SchoolA
High · Grades 9–12 · 5.1 mi
M
Broad Creek Middle SchoolA
Middle · Grades 6–8 · 7.4 mi

District: Carteret County Schools

Neighborhood · ZIP 28594These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.34

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.33%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.5,103
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.196 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,563
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,981
Average tempThe average temperature here across a full year.63°F
Annual precipHow much rain and melted snow falls here in a typical year.57 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

404 Tern Ter measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 75% of homes in Emerald Isle 28594
  • Costs less per square foot than 86% of homes in Emerald Isle 28594
  • Has a bigger lot than 71% of homes in Emerald Isle 28594

What homes are worth in Emerald Isle 28594

Each bar is how many homes fall in that price range. The marker is this home.

This home
$279K$2.7M

This home is worth more than 25% of homes in Emerald Isle 28594.

How it measures up in Emerald Isle 28594

The dot is this home. The mark in the middle is the typical home in Emerald Isle 28594.

Estimated value$608,753
CheaperTypical $818,294Pricier

Pricier than 25% of homes nearby

Price per ft²$364
CheaperTypical $494Pricier

Pricier than 14% of homes nearby

Living area1,672 ft²
SmallerTypical 1,680 ft²Bigger

Bigger than 49% of homes nearby

Lot size0.32 ac
SmallerTypical 0.26 acBigger

Bigger than 71% of homes nearby

Year built1990
OlderTypical 1989Newer

Newer than 52% of homes nearby

How 404 Tern Ter ranks against every home in each area.
MeasureThis homeEmerald Isle 28594Carteret County
Estimated valuepricier than$608,75325% of homes64% of homes
Price per ft²pricier than$36414% of homes63% of homes
Living areabigger than1,672 ft²49% of homes53% of homes
Lot sizebigger than0.32 ac71% of homes45% of homes
Year builtnewer than199052% of homes50% of homes

About 404 Tern Ter

How much is 404 Tern Ter, Emerald Isle, NC worth?

The TopHap Estimate for 404 Tern Ter, Emerald Isle, NC is $608,753 as of Oct 21, 2026. The likely range is $521,362 to $696,144. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 404 Tern Ter, Emerald Isle, NC last sell?

404 Tern Ter, Emerald Isle, NC last sold on Aug 28, 2003 for $200,000, according to the county's recorded deed.

How big is 404 Tern Ter, Emerald Isle, NC?

404 Tern Ter, Emerald Isle, NC has 3 bedrooms, 2 bathrooms, 1,672 square feet of living space and a 0.32-acre lot.

When was 404 Tern Ter, Emerald Isle, NC built?

404 Tern Ter, Emerald Isle, NC was built in 1990, making it 36 years old. It is a contemporary home. The building has 1 story.

What schools serve 404 Tern Ter, Emerald Isle, NC?

404 Tern Ter, Emerald Isle, NC is assigned to White Oak Elementary School (elementary), rated A; Croatan High School (high), rated A; Broad Creek Middle School (middle), rated A. All sit in Carteret County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 404 Tern Ter, Emerald Isle, NC compare to other homes in Emerald Isle 28594?

Among the 6,182 homes in Emerald Isle 28594, it is worth more than 25% of them ($608,753 against a typical $818,294), its price per square foot is higher than 14% of them ($364 against a typical $494), it is bigger than 49% of them (1,672 ft² against a typical 1,680 ft²), its lot is bigger than 71% of them (0.32 ac against a typical 0.26 ac) and it is newer than 52% of them (1990 against a typical 1989). Measured against all of Carteret County, it is worth more than 64% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 404 Tern Ter, Emerald Isle, NC?

The 2025 property tax bill for 404 Tern Ter, Emerald Isle, NC was $2,346. The county assessed it at $579,835.

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