205 E Second St, Ocean Isle Beach, NC 28469 Property Records

Brunswick County property record for 205 E Second St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 2,664 sqft · built 2007
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (May 2011)
Tax Bill	$4,505 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`244ON029`

Property Details

APN / Parcel Number

Primary APN	`244ON029`
Alternative APNs	`107515627618` `61831050`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,664 sqft Heated Area
Gross Area	3,974 sqft
1st Floor Area	1,332 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2010
Exterior Material	Fiber Cement Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,489 sqft (0.126 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	61831050
Street Address	205 E SECOND ST
City	OCEAN ISLE BEACH
State	NC
Zip	28469-7611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L-29 CANAL 3 S-A&B OCEAN ISLE BCH PL-H/374
Legal Subdivision	OCEAN ISLE BEACH
Legal Lot Number	29
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	4
Census Block	4006
Census Tract	20512

Owner

205 E Second St is owned by two individuals who bought it in May 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	14028 CINNABAR PL, HUNTERSVILLE, NC 28078-5351
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2011 · Amount on File
Deed Sale	May 27, 2011 · Amount on File
Prior Sale	Sep 29, 2006 · Amount on File
Deed Book / Page	3164 / 1030
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	205 E SECOND ST, OCEAN ISLE BEACH, NC 28469-7611
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043620399
Date	May 15, 2020
Book Page	4362/399

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 205 E Second St was $4,505.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Brunswick County
Municipality	Ocean Isle Beach Town
Unified School District	Brunswick County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,200,340 (-) Land $550,000 Building $650,340	$1,200,340 (-) Land $550,000 Building $650,340
2025	$4,505.00	$1,200,340 Land $550,000 Building $650,340	$1,200,340 Land $550,000 Building $650,340
2023		$1,200,340 Land $550,000 Building $650,340	$1,200,340 Land $550,000 Building $650,340

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

Flood

FEMA maps place 205 E Second St 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	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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	Hurricane Isaias, Aug 2020 · 92 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 124 claims Hurricane Hugo, Sep 1989 · 120 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 205 E Second St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% 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 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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Focus Broadband Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000