Brunswick County property record for 157 E First St, Ocean Isle Beach, NC 28469
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,152 sqft · built 1968 |
| Lot Size | 0.117 acres (5,135 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Sep 2017) |
| Tax Bill | $2,498 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 258AF009 |
| Primary APN | 258AF009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,152 sqft Heated Area |
| Gross Area | 2,164 sqft |
| 1st Floor Area | 1,152 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Wood Shingle |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 5,135 sqft (0.117 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80064174 |
|---|---|
| Street Address | 157 E FIRST ST |
| City | OCEAN ISLE BEACH |
| State | NC |
| Zip | 28469-7603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | L-2 B-7 S-B OIB PLAT 3/179 |
| Legal Subdivision | OCEAN ISLE BEACH |
| Legal Block | 7 |
| Legal Lot Number | 2 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SHALLOTTE |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 20512 |
Source: Brunswick County records, as of May 27, 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 | 364 STEWART CIR, WHITEVILLE, NC 28472-8764 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Jun 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 8, 2017 | Warranty Deed, Transfer · ARM FIRST CITIZENS BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2017 · Amount on Record |
| Deed Sale | Sep 8, 2017 · Amount on Record |
| Prior Sale | Feb 13, 2009 |
| Deed Book / Page | 3956 / 1243 |
| Prior Transfer Date | Jan 24, 2012 |
| Prior Transfer Doc | 3232001253 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 157 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7603 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0046321238 |
|---|---|
| Date | Jun 2, 2021 |
| Book Page | 4632/1238 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Sep 8, 2017 |
| Property Address | 157 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7603 |
| Document Number | 0039561243 |
| Book / Page | 3956 / 1243 |
| Map Reference | MB 3 PG 179 |
| Instrument Date | Sep 1, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1321 COVERED WAGON RD, 1321, MC LEANSVILLE, NC 27301-9640 |
| Name | Verified Name |
|---|---|
| Address | 364 STEWART CIR, WHITEVILLE, NC 28472-8764 |
| Document Number | 0039561245 |
|---|---|
| Date | Sep 8, 2017 |
| Instrument | 3956/1245 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.62% |
| Index | 1-Year LIBOR |
| Max Rate | 9.62% |
Source: Brunswick County assessment roll, as of August 26, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Brunswick County |
| Municipality | Ocean Isle Beach Town |
| Unified School District | Brunswick County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,498.00 | $671,840 (-) Land $400,000 Building $271,840 | $671,840 (-) Land $400,000 Building $271,840 |
| 2023 | $671,840 Land $400,000 Building $271,840 | $671,840 Land $400,000 Building $271,840 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · 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 | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 596 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 658 units insured incl. 62 condo units |
| Nearby Flood Claims | 901 (1979–2022) |
| Claims Outside the SFHA | 2 of 901 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF OCEAN ISLE BEACH serves 7,925 people · EPA ID NC0410035 |
|---|---|
| Water Source | Purchased surface water from BRUNSWICK COUNTY WATER SYSTEM |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 452 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Focus Broadband Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures