Brunswick County property record for 394 E Second St, Ocean Isle Beach, NC 28469
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 2,304 sqft · built 2003 |
| Lot Size | 0.12 acres (5,013 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $5,350,000 (Jan 2019) |
| Tax Bill | $3,076 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 244NE014 |
| Primary APN | 244NE014 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,304 sqft Heated Area |
| Gross Area | 3,969 sqft |
| 1st Floor Area | 1,152 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 5,013 sqft (0.12 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80079348 |
|---|---|
| Street Address | 394 E SECOND ST |
| City | OCEAN ISLE BEACH |
| State | NC |
| Zip | 28469-7608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | L-17 B-42 S-A OIB PLAT H/375 |
| Legal Subdivision | OCEAN ISLE BEACH |
| Legal Block | 42 |
| Legal Lot Number | 17 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SHALLOTTE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 20512 |
Source: Brunswick County records, as of May 27, 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 | 1840 RIVER INN LN, CHARLOTTESVILLE, VA 22901-6217 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Sep 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Jan 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 25, 2019 · Amount on Record |
| Deed Sale | Jan 25, 2019 · Amount on Record |
| Prior Sale | May 17, 2005 · Amount on Record |
| Deed Book / Page | 4149 / 126 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 394 E SECOND ST, OCEAN ISLE BEACH, NC 28469-7608 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044440026 |
|---|---|
| Date | Sep 18, 2020 |
| Book Page | 4444/26 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Jan 25, 2019 |
| Property Address | 394 E SECOND ST, OCEAN ISLE BEACH, NC 28469-7608 |
| Document Number | 0041490126 |
| Book / Page | 4149 / 0126 |
| Map Reference | MB H PG 375 |
| Instrument Date | Jan 16, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 ROSECRANS CT, 105, CARY, NC 27518-9037 |
| Name | Verified Name |
|---|---|
| Address | 1840 RIVER INN LN, CHARLOTTESVILLE, VA 22901-6217 |
| Document Number | 41490129 |
|---|---|
| Date | Jan 25, 2019 |
| Instrument | 4149/0129 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
Source: Brunswick County assessment roll, as of August 26, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Brunswick County |
| Municipality | Ocean Isle Beach Town |
| Unified School District | Brunswick County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,076.00 | $782,470 (-) Land $225,000 Building $557,470 | $782,470 (-) Land $225,000 Building $557,470 |
| 2023 | $782,470 Land $225,000 Building $557,470 | $782,470 Land $225,000 Building $557,470 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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 |
|
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 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 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 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 |
| 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.
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 |
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