Brunswick County property record for 386 E First St, Ocean Isle Beach, NC 28469
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,120 sqft · built 1965 |
| Lot Size | 0.17 acres (7,551 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Mar 2021) |
| Tax Bill | $2,582 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jun 2022 Mortgage + 2 more |
| Flood Zone | Zone VE (high risk) |
| APN | 244NI016 |
| Primary APN | 244NI016 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,120 sqft Heated Area |
| Gross Area | 2,072 sqft |
| 1st Floor Area | 1,120 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Asbestos |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,551 sqft (0.17 acres) |
| Cooling System | None |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Account Number | 80128897 |
|---|---|
| Street Address | 386 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-18 B-41 S-A PLAT 3/178-178A |
| Legal Subdivision | OCEAN ISLE BEACH |
| Legal Block | 41 |
| Legal Lot Number | 18 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SHALLOTTE |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 20512 |
Source: Brunswick County records · APN 244NI016
Assessment roll updated August 26, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 386 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Nov 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 22, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Mar 16, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Sep 09, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 16, 2021 · Amount on Record |
| Deed Sale | Mar 16, 2021 · Amount on Record |
| Prior Sale | Sep 09, 2020 · Amount on Record |
| Prior Transfer Date | Jul 24, 2020 |
| Prior Transfer Doc | 0044361171 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 386 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7606 |
| Transaction Type | Mortgage |
| Record Updated | Nov 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0047490056 |
|---|---|
| Date | Nov 22, 2021 |
| Book Page | 4749/56 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Jun 22, 2022 |
| Property Address | 386 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7606 |
| Document Number | 0048700768 |
| Book / Page | 4870 / 768 |
| Map Reference | MB 3 PG 178&178A |
| Instrument Date | Jun 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0004870770 |
|---|---|
| Date | Jun 22, 2022 |
| Instrument | 4870/770 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Jul 01, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 9.87% |
| Index | 1-Year CMT |
| Max Rate | 9.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Mar 16, 2021 |
| Property Address | 386 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7606 |
| Document Number | 0045720382 |
| Book / Page | 4572 / 382 |
| Map Reference | MB 3 PG 178-178A |
| Instrument Date | Mar 15, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2710 CHARLOTTE LN, 2710, BURLINGTON, NC 27215-4623 |
| Name | Verified Name |
|---|---|
| Address | 386 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7606 |
| Document Number | 0004572389 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 4572/389 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Sep 09, 2020 |
| Property Address | 386 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7606 |
| Document Number | 0044361171 |
| Book / Page | 004436 / 001171 |
| Instrument Date | Jul 24, 2020 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 66B HARDIN CIR CHAPEL HILL NC 275169658, CHAPEL HILL, NC 27516-9658 |
Source: Brunswick County records · Assessment roll updated August 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Brunswick County |
| Municipality | Ocean Isle Beach Town |
| Unified School District | Brunswick County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,582.00 | $696,510 (-) Land $520,000 Building $176,510 | $696,510 (-) Land $520,000 Building $176,510 |
| 2024 | $2,582.00 | ||
| 2023 | $696,510 Land $520,000 Building $176,510 | $696,510 Land $520,000 Building $176,510 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Atlantic Telephone Membership Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
Based on FCC filings for 186 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF OCEAN ISLE BEACH serves 7,925 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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