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3804 Emerald Drive #E, Emerald Isle, NC, 28594

4beds
4baths
2,688sqft
$1,325,000
$493price/sqft
$7,611/moest. monthly cost
$304,440/yrincome needed

About This Home

Experience refined coastal living in the heart of Emerald Isle with this soundfront luxury townhome, on the east side of a beautifully designed duplex built by P&P Land Development. Offering 4 bedrooms and 4 full bathrooms, 3804 E. delivers a seamless blend of sophisticated design, quality craftsmanship, and exceptional waterfront access. Expansive porches frame sweeping sound views, while outdoor living is elevated by a private pool for the east side only and access to a shared dock, providing effortless connection to the water for boating and paddle sports. Elevated construction and coastal architecture enhance both privacy and presence. Inside, light-filled interiors feature wide-plank flooring, clean architectural lines, and an open-concept layout designed to maximize both space and flow. The kitchen serves as a true centerpiece with a generous island, custom cabinetry, stainless steel appliances, and statement lighting, opening seamlessly to the main living areas-ideal for entertaining on any scale. Thoughtfully designed bedroom suites offer comfort and privacy, while well-appointed bathrooms reflect a modern coastal aesthetic. With generous parking and a prime soundfront setting, this east-side residence presents an exceptional opportunity for a primary home, second home, or investment- and is move-in ready!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

10/10
White Oak ElementaryGrades PK-55.3 mi
7/10
8/10
Croatan High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Architectural Shingle
  • Construction materials: Fiber Cement,Wood Frame

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Vented Exhaust Fan,Gas Oven,Built-In Microwave,Refrigerator,Ice Maker,Dishwasher
  • Laundry features: Dryer Hookup,Washer Hookup,Laundry Room

Bedroom2

  • Level: Second

Bedroom3

  • Level: First

Bedroom4

  • Level: Ground

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Bonus Room

  • Level: Ground

Dining Room

  • Level: First

Features

  • Walk-in Closet(s),Solid Surface,Kitchen Island,Ceiling Fan(s),Elevator,Pantry,Walk-In Closet(s)
  • Flooring: LVT/LVP,Tile

Heating & Cooling

  • Heating features: Electric,Zoned
  • Cooling features: Zoned

Interior Area

  • Total structure area: 2,688
  • Total interior livable area: 2,688 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 631413034330000
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Pool features: In Ground
  • Patio & porch: Covered,Deck,Patio,Porch
  • Fencing: Metal/Ornamental
  • Has view: Yes
  • View description: ICW,Marsh,Sound,Water
  • Has water view: Yes
  • Water view: Marsh,Sound,Water
  • On waterfront: Yes
  • Waterfront features: Deeded Water Access,Deeded Water Rights,Waterfront,Sound Side,Marsh Front,ICW Front,Sound Front
  • Frontage type: Marsh Front,ICW Front,Sound Front
  • Living area range: 2600 - 2799

Lot

  • Lot size: 3,049 sqft
  • Features: Wetlands,Deeded Water Access,Deeded Water Rights,Deeded Waterfront,Sound Side
  • Lot size dimensions: see survey in documents

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,Additional Parking,Aggregate,Paved,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Winter Weather
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters in Carteret County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,699$80,388
Home Insurance *$177$2,124
Property Taxes $485$5,820
Electricity $250$3,004
Total$7,611$91,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$260,948/yr
40% on housing$228,330/yr
45% on housing$202,960/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$493This listing

vs Other Active Listings

Avg $/sqft

ZIP 28594$608
Carteret County$290

vs Homes Sold Last Month

Median $/sqft

ZIP 28594$538
Carteret County$252

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-14Price change$1,325,000
2026-03-03Price change$1,385,000
2026-01-29Price change$1,415,000
2025-12-18Listed for sale$1,440,000

For Sale by Agent

AgentMary Cheatham King Real Estate team
BrokerageKeller Williams Crystal Coast

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