354 E First St, Ocean Isle Beach, NC 28469 Property Records

Brunswick County property record for 354 E First St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,826 sqft · built 1980
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$1,675,000 (Mar 2026)
Tax Bill	$4,118 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`244NJ013`

Property Details

APN / Parcel Number

Primary APN	`244NJ013`
Alternative APNs	`107516939240` `61559660`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,826 sqft Heated Area
Gross Area	2,594 sqft
1st Floor Area	160 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1988
Exterior Material	Wood Shingle
Foundation Type	Pier/Post & Beam
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	61559660
Street Address	354 E FIRST ST
City	OCEAN ISLE BEACH
State	NC
Zip	28469-7606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L-13 B-48 S-A OIB PLAT-3/178-178A
Legal Subdivision	OCEAN ISLE BEACH
Legal Block	48
Legal Lot Number	13
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	4
Census Block	4006
Census Tract	20512

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	95 MAIN ST, CHESHIRE, MA 01225-9687
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2026 · Amount on Record
Deed Sale	Mar 17, 2026 · Amount on Record
Prior Sale	Dec 1, 2001
Deed Book / Page	5521 / 398
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Mar 17, 2026
Property Address	354 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7606
Document Number	0055210398
Book / Page	5521 / 398
Map Reference	MB 3 PG 178&178A
Instrument Date	Jan 22, 2026
Transaction Type	Transfer
Record Updated	Apr 1, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 CRAVEN ST, OCEAN ISLE BEACH, NC 28469-7634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 MAIN ST, CHESHIRE, MA 01225-9687

Mortgage

Document Number	0005521400
Date	Mar 17, 2026
Instrument	5521/400

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$1,129,130 (-) Land $800,000 Building $329,130	$1,129,130 (-) Land $800,000 Building $329,130
2025	$4,118.00 (+0.02%)	$1,129,130 (+0.41%) Land $800,000 Building $329,130	$1,129,130 (+0.41%) Land $800,000 Building $329,130
2024	$4,117.00
2023		$1,124,500 Land $800,000 Building $324,500	$1,124,500 Land $800,000 Building $324,500

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 VE high risk · coastal, wave action
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 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