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  5. E First St

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

Brunswick County property record for 390 E First St, Ocean Isle Beach, NC 28469

Property Summary

Property TypeSingle Family Home
Details5 bd · 2 ba · 1,304 sqft · built 1977
Lot Size0.17 acres (7,543 sqft)
Owner2 Individual Names on File
Last Sale$499,000 (Jun 2018)
Tax Bill$2,789 (2025)
Deeds & MortgagesSep 2020 Mortgage
Jun 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone VE (high risk)
APN244NI014

Property Details

APN / Parcel Number

Primary APN244NI014
Alternative APNs
  • 108513038470
  • 80072454

Interior

Bedrooms5 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,304 sqft Heated Area
Gross Area1,848 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1984
Exterior MaterialWood Shingle
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area7,543 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number80072454
Street Address390 E FIRST ST
CityOCEAN ISLE BEACH
StateNC
Zip28469-7606
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionL-16 B-41 S-A OIB PLAT 3/178
Legal SubdivisionOCEAN ISLE BEACH
Legal Block41
Legal Lot Number16
JurisdictionBRUNSWICK NC
Township / Civil DivisionSHALLOTTE
Census Block Group4
Census Block4006
Census Tract20512

Owner

Source: Brunswick County records · APN 244NI014

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 Record2 Individual Names on File
Mailing Address112 SUMMERVIEW LN, CARY, NC 27518-8422
Owner TypeIndividual
VestingEt Ux (and Wife)

Deeds, Mortgages & Sale History

DateDocument
Sep 30, 2020Deed of Trust, Mortgage · Conventional Mortgage
COASTAL FCU
Jun 08, 2018Warranty Deed, Transfer · ARM
COASTAL FEDERAL CU
Mar 23, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 08, 2018 · Amount on Record
Deed SaleJun 08, 2018 · Amount on Record
Prior SaleOct 01, 1996
Deed Book / Page4066 / 360
Record UpdatedSep 20, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBRUNSWICK NC
Property Address390 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7606
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0044520154
DateSep 30, 2020
Book Page4452/154
Lender
NameCOASTAL FCU
TypeCredit Union
AddressRALEIGH, NC 27609
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050
Interest
Rate TypeAdjustable Rate
Rate2.87%
Type Change DateOct 01, 2027
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change7.87%
Index1-Year CMT
Max Rate7.87%

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBRUNSWICK NC
Recording DateJun 08, 2018
Property Address390 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7606
Document Number0040660360
Book / Page4066 / 0360
Map ReferenceMB3 PG178
Instrument DateMay 08, 2018
Transaction TypeTransfer
Record UpdatedAug 27, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$998.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address211 COLONIAL DR, 211, WOODSTOCK, GA 30189-6136

Transferred To (Grantee/Buyer)

NameVerified Name
Address112 SUMMERVIEW LN, CARY, NC 27518-8422

Mortgage

Document Number40660363
DateJun 08, 2018
Instrument4066/0363
Lender
NameCOASTAL FEDERAL CU
TypeCredit Union
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueJul 01, 2048
Interest
Rate TypeAdjustable Rate
Rate3.62%
AdjustableAdjustable Rate Rider
Change FrequencyAnnually
Min Rate At Change2%
Max Rate At Change5.62%
Index1-Year CMT
Margin2
Max Rate8.62%

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBRUNSWICK NC
Recording DateMar 23, 2018
Property Address390 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7606
Document Number0040320575
Book / Page004032 / 000575
Instrument DateMar 05, 2018
Transaction TypeTransfer
Record UpdatedApr 09, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$720.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1711 PRINCESS ST WILMINGTON NC 284052934, WILMINGTON, NC 28405-2934

Tax Assessment & Valuation

Source: Brunswick County records · Assessment roll updated August 26, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyBrunswick County
MunicipalityOcean Isle Beach Town
Unified School DistrictBrunswick County Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,789.00$757,020 (-) Land $520,000 Building $237,020$757,020 (-) Land $520,000 Building $237,020
2023$757,020 Land $520,000 Building $237,020$757,020 Land $520,000 Building $237,020

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation13.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 612 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies663 units insured
incl. 51 condo units
Nearby Flood Claims744 (1979–2024)
Claims Outside the SFHA7 of 744
Most Recent ClaimAug 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

Wildfire

Wildfire RiskLow
lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemTOWN OF OCEAN ISLE BEACH
serves 7,925 people
Water SourcePurchased surface water from BRUNSWICK COUNTY WATER SYSTEM
Last State InspectionApr 2024
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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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