397 E Fourth St, Ocean Isle Beach, NC 28469 Property Records

Brunswick County property record for 397 E Fourth St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 3,452 sqft · built 2024
Lot Size	0.231 acres (10,063 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (May 2024)
Tax Bill	$3,232 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2023 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`244NL028`

Property Details

APN / Parcel Number

Primary APN	`244NL028`
Alternative APNs	`108514245644` `80024218` `80154491`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Building Area	3,452 sqft Heated Area
Gross Area	4,660 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Fiber Cement Siding
Roof Type	Hip
Roof Material	Metal
Lot Area	10,063 sqft (0.231 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80154491
Street Address	397 E FOURTH ST
City	OCEAN ISLE BEACH
State	NC
Zip	28469-0630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L-109 PH-III LITTLE BEACH LANDING PL 81/68
Legal Subdivision	LITTLE BEACH LANDING SUBDIVISION
Legal Phase	III
Legal Lot Number	109
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	4
Census Block	4006
Census Tract	20512

Owner

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	Individual Name on Record
Mailing Address	124 MURRAY AVE, LARCHMONT, NY 10538-1647
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY BANK
Apr 17, 2023	Warranty Deed, Transfer
Apr 27, 2021	Special Warranty Deed, Transfer
Apr 27, 2021	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2024 · Amount on Record
Deed Sale	May 22, 2024 · Amount on Record
Prior Sale	Apr 17, 2023 · Amount on Record
Deed Book / Page	5181 / 566
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Recording Date	Apr 16, 2026
Property Address	397 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-0630
Document Number	5540000483
Book / Page	5540 / 483
Instrument Date	Apr 8, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-0630
Investor	Possibly a Property Investor

Mortgage

Document Number	5540000483,
Date	Apr 16, 2026
Book Page	5540/483

Lender

Name	MORGAN STANLEY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Apr 17, 2023
Property Address	397 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-0630
Document Number	0050000302
Book / Page	5000 / 302
Map Reference	CAB 81 PG 65-72
Instrument Date	Apr 6, 2023
Transaction Type	Transfer
Record Updated	May 2, 2023

Transaction

Amount	Amount Recorded
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2618 NEW VILLAGE WAY, WILMINGTON, NC 28405-7426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 975, ABERDEEN, NC 28315-0975

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Apr 27, 2021
Property Address	397 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-0630
Document Number	0046050110
Book / Page	4605 / 110
Map Reference	CAB 81 PG 65-72
Instrument Date	Apr 27, 2021
Transaction Type	Transfer
Record Updated	Sep 5, 2023

Transaction

Amount	Amount Recorded
Tax	$10,449.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2618 NEW VILLAGE WAY, WILMINGTON, NC 28405-7426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2618 NEW VILLAGE WAY, WILMINGTON, NC 28405-7426

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Apr 27, 2021
Property Address	397 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-0630
Document Number	0046050107
Book / Page	4605 / 107
Map Reference	CAB 81 PG 65-72
Instrument Date	Apr 27, 2021
Transaction Type	Transfer
Record Updated	Sep 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2618 NEW VILLAGE WAY, WILMINGTON, NC 28405-7426

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	2618 NEW VILLAGE WAY, WILMINGTON, NC 28405-7426
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Brunswick County assessment roll, as of August 26, 2025

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
2025	$3,232.00	$769,460 (+133.17%) Land $330,000 Building $439,460	$769,460 (+133.17%) Land $330,000 Building $439,460
2023		$330,000 Land $330,000	$330,000 Land $330,000

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	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 67% of the US · above 43% 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Focus Broadband Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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