2227 E Beach Dr, Oak Island, NC 28465 Property Records

Brunswick County property record for 2227 E Beach Dr, Oak Island, NC 28465

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 1,768 sqft · built 2004
Lot Size	0.293 acres (12,763 sqft)
Owner	2 Individual Names on File
Last Sale	$500 (Mar 2014)
Tax Bill	$3,877 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone VE (high risk)
APN	`235OE01804`

Property Details

APN / Parcel Number

Primary APN	`235OE01804`
Alternative APNs	`206617108322` `80034910`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,768 sqft Heated Area
Gross Area	2,176 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Fiber Cement Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Shingle
Lot Area	12,763 sqft (0.293 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80034910
Street Address	2227 E BEACH DR
City	OAK ISLAND
State	NC
Zip	28465-6138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Description	L-14 B-38 S-3 LONG BEACH PLAT 1/96
Legal Subdivision	CALABASH STATION SUBDIVISION PHASE 1
Legal Block	38
Legal Lot Number	14
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SMITHVILLE
Census Block Group	1
Census Block	1035
Census Tract	20314

Owner

2227 E Beach Dr is owned by two individuals who bought it in March 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 399, WHEELERSBURG, OH 45694-0399
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	Mar 20, 2014 · Amount on File
Deed Sale	Mar 20, 2014 · Amount on File
Prior Sale	Jul 28, 2009 · Amount on File
Deed Book / Page	3510 / 529
Prior Transfer Date	Feb 27, 2014
Prior Transfer Doc	0035100529
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Recording Date	Jul 28, 2026
Property Address	2227 E BEACH DR, OAK ISLAND, NC 28465-6138
Document Number	5603001312
Book / Page	5603 / 1312
Instrument Date	Jul 27, 2026
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9574 HILDRETH LN, FERNANDINA BEACH, FL 32034-1803

Mortgage

Document Number	5603001312,
Date	Jul 28, 2026
Book Page	5603/1312

Lender

Name	CAPITAL HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2227 E Beach Dr was $3,877, down 5.1% from the year before.

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		$994,220 (-) Land $575,000 Building $419,220	$994,220 (-) Land $575,000 Building $419,220
2025	$3,877.00 (-5.09%)	$994,220 Land $575,000 Building $419,220	$994,220 Land $575,000 Building $419,220
2024	$4,085.00
2023		$994,220 Land $575,000 Building $419,220	$994,220 Land $575,000 Building $419,220

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

Flood

FEMA maps place 2227 E Beach Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action
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 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 2227 E Beach Dr 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 64% of the US · above 49% 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 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 103 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
AT&T Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20