1620 E Beach Dr, Oak Island, NC 28465 Property Records

Brunswick County property record for 1620 E Beach Dr, Oak Island, NC 28465

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 967 sqft · built 1965
Lot Size	0.168 acres (7,318 sqft)
Owner	2 Individual Names on File
Last Sale	$394,000 (Dec 2019)
Tax Bill	$2,328 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Sep 2021 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`235OD023`

Property Details

APN / Parcel Number

Primary APN	`235OD023`
Alternative APNs	`205620908767` `80089624`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	967 sqft Heated Area
Gross Area	1,287 sqft
1st Floor Area	40 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,318 sqft (0.168 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80089624
Street Address	1620 E BEACH DR
City	OAK ISLAND
State	NC
Zip	28465-6354
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Description	L-10 B-43 S-3 LB PLAT 1/96-99
Legal Subdivision	LONG BEACH
Legal Block	43
Legal Lot Number	10
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SMITHVILLE
Census Block Group	1
Census Block	1032
Census Tract	20314

Owner

1620 E Beach Dr is owned by two individuals who bought it in December 2019.

Source: Brunswick County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1192 AMHERST RD, MORGANTON, NC 28655-6937
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED STATES SENATE FCU
Dec 30, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPS FCU
Dec 11, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Oct 27, 2017	Warranty Deed, Transfer · Conventional Mortgage ALPHA MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2019 · Amount on File
Deed Sale	Dec 11, 2019 · Amount on File
Prior Sale	Oct 27, 2017 · Amount on File
Deed Book / Page	4287 / 1040
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	1620 E BEACH DR, OAK ISLAND, NC 28465-6354
Transaction Type	Mortgage
Record Updated	Dec 9, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049430921
Date	Nov 30, 2022
Book Page	4943/921

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SOUTHPORT, NC 28461

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	1620 E BEACH DR, OAK ISLAND, NC 28465-6354
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047030316
Date	Sep 14, 2021
Book Page	4703/316

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	1620 E BEACH DR, OAK ISLAND, NC 28465-6354
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040001226
Date	Dec 27, 2017
Book Page	4000/1226

Lender

Name	UNITED STATES SENATE FCU
Type	Credit Union
Address	WASHINGTON, DC 20013

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 22, 2027

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	1620 E BEACH DR, OAK ISLAND, NC 28465-6354
Document Number	0045200820
Instrument Date	Dec 30, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 E BEACH DR OAK ISLAND NC 284656354, OAK ISLAND, NC 28465-6354

Mortgage

Document Number	0045200820
Date	Jan 4, 2021
Book Page	004520/000820

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Dec 11, 2019
Property Address	1620 E BEACH DR, OAK ISLAND, NC 28465-6354
Document Number	0042871040
Book / Page	4287 / 1040
Instrument Date	Sep 9, 2019
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$788.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1206 LANE DR, 1206, CARY, NC 27511-4713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1192 AMREST ROAD, IVA, SC 29655

Mortgage

Document Number	42871043
Date	Dec 11, 2019
Instrument	4287/1043

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Oct 27, 2017
Property Address	1620 E BEACH DR, OAK ISLAND, NC 28465-6354
Document Number	0039770686
Book / Page	3977 / 0686
Map Reference	MB 1 PG 96
Instrument Date	Sep 25, 2017
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1104 CEDARHURST DR, 1104, RALEIGH, NC 27609-5418

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1206 LANE DR, CARY, NC 27511-4713

Mortgage

Document Number	39770688
Date	Oct 27, 2017
Instrument	3977/0688

Lender

Name	ALPHA MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1620 E Beach Dr was $2,328.

Source: Brunswick County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Brunswick County
Municipality	Oak Island Town
Unified School District	Brunswick County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$609,470 (-) Land $445,000 Building $164,470	$609,470 (-) Land $445,000 Building $164,470
2025	$2,328.00	$609,470 Land $445,000 Building $164,470	$609,470 Land $445,000 Building $164,470
2023		$609,470 Land $445,000 Building $164,470	$609,470 Land $445,000 Building $164,470

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1620 E Beach Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 613 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	613 in force
Nearby Flood Claims	123 (1989–2025)
Most Recent Claim	Mar 2025
Claims by Event	Hurricane Isaias, Aug 2020 · 94 claims Hurricane Matthew, Oct 2016 · 6 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 6 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

Wildfire risk around 1620 E Beach Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	TOWN OF OAK ISLAND serves 26,924 people · EPA ID NC0410020
Water Source	Purchased surface water from BRUNSWICK COUNTY WATER SYSTEM
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 145 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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