Brunswick County property record for 187 E First St, Ocean Isle Beach, NC 28469
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 2,504 sqft · built 2004 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,390,000 (Aug 2024) |
| Tax Bill | $4,347 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2022 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 244OA004 |
| Primary APN | 244OA004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 1 Story |
| Building Area | 2,504 sqft Heated Area |
| Gross Area | 4,188 sqft |
| 1st Floor Area | 360 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Wood Shingle |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 5,009 sqft (0.115 acres) |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80158149 |
|---|---|
| Street Address | 187 E FIRST ST |
| City | OCEAN ISLE BEACH |
| State | NC |
| Zip | 28469 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | L-7 B-4 S-B OIB PLAT 3/179 |
| Legal Subdivision | OCEAN ISLE BEACH |
| Legal Block | 4 |
| Legal Lot Number | 7 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SHALLOTTE |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 20512 |
Source: Brunswick County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 243 WATERVILLE ST, RALEIGH, NC 27603-1989 |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Jul 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NFM LENDING |
| Apr 8, 2022 | Deed, Transfer |
| Jul 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2024 · Amount on Record |
| Deed Sale | Aug 23, 2024 · Amount on Record |
| Prior Sale | Jul 17, 2020 · Amount on Record |
| Deed Book / Page | 5225 / 1061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Jul 31, 2026 |
| Property Address | 187 E FIRST ST, OCEAN ISLE BEACH, NC 28469 |
| Document Number | 5606000961 |
| Book / Page | 5606 / 961 |
| Instrument Date | Jul 31, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2026 |
| Title Company | ATHENA TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 243 WATERVILLE ST, RALEIGH, NC 27603-1989 |
| Document Number | 5606000961, |
|---|---|
| Date | Jul 31, 2026 |
| Book Page | 5606/961 |
| Name | NFM LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.43% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Apr 8, 2022 |
| Property Address | 187 E FIRST ST, OCEAN ISLE BEACH, NC 28469 |
| Document Number | 0048290839 |
| Book / Page | 4829 / 839 |
| Map Reference | CAB 3 PG 179 |
| Instrument Date | Apr 7, 2022 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9427 GILPATRICK LN, 9427, HUNTERSVILLE, NC 28078-2262 |
| Name | Verified Name |
|---|---|
| Address | 14316 REESE BLVD W # B-900, B, HUNTERSVILLE, NC 28078-7960 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Jul 17, 2020 |
| Property Address | 187 E FIRST ST, OCEAN ISLE BEACH, NC 28469 |
| Document Number | 0043990532 |
| Book / Page | 4399 / 532 |
| Map Reference | CAB 3 PG 179 |
| Instrument Date | Jul 17, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,490.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13760 HERITAGE DR, 13760, LAURINBURG, NC 28352-9184 |
| Name | Verified Name |
|---|---|
| Address | 9427 GILPATRICK LN, HUNTERSVILLE, NC 28078-2262 |
| Document Number | 4399535 |
|---|---|
| Date | Jul 17, 2020 |
| Instrument | 4399/535 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Brunswick County assessment roll, as of October 20, 2026
| 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 |
|---|---|---|---|
| 2026 | $1,118,820 (-) Land $400,000 Building $718,820 | $1,118,820 (-) Land $400,000 Building $718,820 | |
| 2025 | $4,347.00 | $1,118,820 (+7.1%) Land $400,000 Building $718,820 | $1,118,820 (+7.1%) Land $400,000 Building $718,820 |
| 2023 | $1,044,620 Land $400,000 Building $644,620 | $1,044,620 Land $400,000 Building $644,620 |
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 612 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 663 units insured incl. 51 condo units |
| Nearby Flood Claims | 744 (1979–2024) |
| Claims Outside the SFHA | 7 of 744 |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
| 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 | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 |
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