Brunswick County property record for 285 W Second St, Ocean Isle Beach, NC 28469
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 4,662 sqft · built 2023 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100,000 (May 2024) |
| Tax Bill | $6,863 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Dec 2019 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 257FN004 |
| Primary APN | 257FN004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 4,662 sqft Heated Area |
| Gross Area | 6,865 sqft |
| 1st Floor Area | 1,555 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Porch | Patio |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80154742 |
|---|---|
| Street Address | 285 W SECOND ST |
| City | OCEAN ISLE BEACH |
| State | NC |
| Zip | 28469-7545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C1 |
| Legal Description | L-4 OIB PL 25/472 |
| Legal Subdivision | PROPERTY OF DWE INVESTMENTS LLC |
| Legal Lot Number | 4 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SHALLOTTE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 20512 |
285 W Second St is owned and occupied by two individuals who bought it in May 2024.
Source: Brunswick County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 285 W SECOND ST, OCEAN ISLE BEACH, NC 28469-7545 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 4, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK |
| Dec 27, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2024 · Amount on File |
| Deed Sale | May 29, 2024 · Amount on File |
| Prior Sale | Dec 27, 2019 · Amount on File |
| Deed Book / Page | 5184 / 487 |
| Prior Transfer Date | Jan 18, 2007 |
| Prior Transfer Doc | 0025540608 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 285 W SECOND ST, OCEAN ISLE BEACH, NC 28469-7545 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 400 PELICAN VILLAGE LOOP A, A, LITTLE RIVER, SC 29566-8890 |
| Document Number | 0050830022 |
|---|---|
| Date | Oct 4, 2023 |
| Book Page | 5083/22 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | OCEAN ISLE BEACH, NC 28469 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Dec 27, 2019 |
| Property Address | OCEAN ISLE BEACH, NC 28469 |
| Document Number | 0042941370 |
| Book / Page | 004294 / 001370 |
| Instrument Date | Dec 20, 2019 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $280.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 98298 RALEIGH NC 276248298, RALEIGH, NC 27624-8298 |
The 2025 property tax bill for 285 W Second St was $6,863, up 19.4% from the year before.
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 | $1,772,670 (-) Land $300,000 Building $1,472,670 | $1,772,670 (-) Land $300,000 Building $1,472,670 | |
| 2025 | $6,863.00 (+19.4%) | $1,772,670 Land $300,000 Building $1,472,670 | $1,772,670 Land $300,000 Building $1,472,670 |
| 2024 | $5,748.00 | ||
| 2023 | $300,000 Land $300,000 | $300,000 Land $300,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 285 W 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 481 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1,226 units insured incl. 745 condo units |
| Nearby Flood Claims | 245 (1979–2022) |
| Claims Outside the SFHA | 6 of 245 |
| 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.
Wildfire risk around 285 W Second St 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 99.1% of the US · lower than 99.5% 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.
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 201 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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