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

Brunswick County property record for 322 E Second St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,202 sqft · built 2003
Lot Size	0.116 acres (5,053 sqft)
Owner	Individual Name on Record
Last Sale	$1,190,000 (Mar 2022)
Tax Bill	$4,009 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`244NB020`

Property Details

APN / Parcel Number

Primary APN	`244NB020`
Alternative APNs	`107516934367` `80113804` `80124815`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,202 sqft Heated Area
Gross Area	3,184 sqft
1st Floor Area	1,266 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2015
Exterior Material	Wood Shingle
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,053 sqft (0.116 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80124815
Street Address	322 E SECOND 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-11 B-52 S-A OIB PLAT 3/178
Legal Block	52
Legal Lot Number	11
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	4
Census Block	4017
Census Tract	20512

Owner

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	1000 WOODSTREAM DR, WILMINGTON, DE 19810-1900
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2022	Warranty Deed, Transfer · Conventional Mortgage HUNTINGDON VALLEY BANK
Jul 12, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2022 · Amount on Record
Deed Sale	Mar 23, 2022 · Amount on Record
Prior Sale	Jul 12, 2021 · Amount on Record
Deed Book / Page	4819 / 55
Prior Transfer Date	Aug 24, 2012
Prior Transfer Doc	0033051245
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Mar 23, 2022
Property Address	322 E SECOND ST, OCEAN ISLE BEACH, NC 28469
Document Number	0048190055
Book / Page	4819 / 55
Map Reference	CAB H PG 375
Instrument Date	Mar 16, 2022
Transaction Type	Transfer
Record Updated	Oct 26, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5478 KINGSBRIDGE RD, WINSTON SALEM, NC 27103-5994

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 WOODSTREAM LN, WILMINGTON, DE 19803

Mortgage

Document Number	0000481957
Date	Mar 23, 2022
Instrument	4819/57

Lender

Name	HUNTINGDON VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Jul 12, 2021
Property Address	322 E SECOND ST, OCEAN ISLE BEACH, NC 28469
Document Number	0046600261
Book / Page	4660 / 261
Map Reference	CAB H PG 375
Instrument Date	Jul 8, 2021
Transaction Type	Transfer
Record Updated	Oct 26, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7272, OCEAN ISLE BEACH, NC 28469-1272

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 E SECOND ST, OCEAN ISLE BEACH, NC 28469

Mortgage

Document Number	0004660264
Date	Jul 12, 2021
Instrument	4660/264

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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		$1,055,300 (-) Land $275,000 Building $780,300	$1,055,300 (-) Land $275,000 Building $780,300
2025	$4,009.00	$1,055,300 (-) Land $275,000 Building $780,300	$1,055,300 (-) Land $275,000 Building $780,300
2023		$1,055,300 Land $275,000 Building $780,300	$1,055,300 Land $275,000 Building $780,300

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

Flood

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	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

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

Wildfire Risk	Low lower than 64% of the US · above 50% 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 186 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

Cell Coverage

5G (outdoors only) and 4G LTE

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