Brunswick County property record for 3214 E Dolphin Dr, Oak Island, NC 28465
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,620 sqft · built 2022 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $175,000 (Jul 2020) |
| Tax Bill | $4,254 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2022 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 235NA018 |
| Primary APN | 235NA018 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,620 sqft Heated Area |
| Gross Area | 3,652 sqft |
| 1st Floor Area | 592 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80097404 |
|---|---|
| Street Address | 3214 E DOLPHIN DR |
| City | OAK ISLAND |
| State | NC |
| Zip | 28465-5807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 |
| Legal Description | L-7 B-24 S-2 LB PLAT 1/96-99 |
| Legal Subdivision | OAK ISLAND |
| Legal Block | 24 |
| Legal Lot Number | 7 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SMITHVILLE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20314 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3214 E DOLPHIN DR, OAK ISLAND, NC 28465-5807 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Nov 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 1, 2021 | Deed of Trust, Mortgage · Construction Mortgage LOWER LLC |
| Jul 27, 2020 | Warranty Deed, Transfer · Conventional Mortgage COGENT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2020 · Amount on Record |
| Deed Sale | Jul 27, 2020 · Amount on Record |
| Prior Sale | Nov 1, 1972 |
| Deed Book / Page | 4405 / 1241 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | May 1, 2026 |
| Property Address | 3214 E DOLPHIN DR, OAK ISLAND, NC 28465-5807 |
| Document Number | 5550000165 |
| Book / Page | 5550 / 165 |
| Instrument Date | Apr 27, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3214 E DOLPHIN DR, OAK ISLAND, NC 28465-5807 |
| Document Number | 5550000165, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 5550/165 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 3214 E DOLPHIN DR, OAK ISLAND, NC 28465-5807 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3214 E DOLPHIN DR, OAK ISLAND, NC 28465-5807 |
| Document Number | 0049420897 |
|---|---|
| Date | Nov 28, 2022 |
| Book Page | 4942/897 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Dec 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.75% |
| Index | 5-Year TN |
| Max Rate | 10.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 3214 E DOLPHIN DR, OAK ISLAND, NC 28465-5807 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 24926 MILLINGPORT RD, LOCUST, NC 28097-8323 |
| Document Number | 0047171019 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | 4717/1019 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Oct 15, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Jul 27, 2020 |
| Property Address | 3214 E DOLPHIN DR, OAK ISLAND, NC 28465-5807 |
| Document Number | 0044051241 |
| Book / Page | 4405 / 1241 |
| Map Reference | MB 1 PG 96-99 |
| Instrument Date | Jul 20, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5 ALEXANDER ST, 5, CHARLESTON, SC 29401-1582 |
| Name | Verified Name |
|---|---|
| Address | 21833 FARMRIDGE LN, OAKBORO, NC 28129-9616 |
| Document Number | 44051247 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 4405/1247 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jul 27, 2022 |
Source: Brunswick County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Brunswick County |
| Municipality | Oak Island Town |
| Unified School District | Brunswick County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,113,660 (-) Land $350,000 Building $763,660 | $1,113,660 (-) Land $350,000 Building $763,660 | |
| 2025 | $4,254.00 (-8.59%) | $1,113,660 (-) Land $350,000 Building $763,660 | $1,113,660 (-) Land $350,000 Building $763,660 |
| 2024 | $4,654.00 | ||
| 2023 | $1,113,660 Land $350,000 Building $763,660 | $1,113,660 Land $350,000 Building $763,660 |
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 | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
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 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | 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 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 |
| 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.
Source: FCC Broadband Data Collection, based on 346 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Focus Broadband Fiber | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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