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

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 2,368 sqft · built 2005
Lot Size	0.111 acres (4,835 sqft)
Owner	Individual Name on Record
Last Sale	$1,350,000 (Nov 2023)
Tax Bill	$3,457 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`244KA012`

Property Details

APN / Parcel Number

Primary APN	`244KA012`
Alternative APNs	`108513149054` `80099334` `80147501`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	2,368 sqft Heated Area
Gross Area	3,814 sqft
1st Floor Area	364 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Wood Shingle
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Shingle
Lot Area	4,835 sqft (0.111 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80147501
Street Address	397 E SECOND ST
City	OCEAN ISLE BEACH
State	NC
Zip	28469-7609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L-4 B-39 OCEAN ISLE BEACH PL H/375
Legal Subdivision	OCEAN ISLE BEACH
Legal Block	39
Legal Lot Number	4
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	4
Census Block	4025
Census Tract	20512

Owner

Source: Brunswick County records, as of October 20, 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	8711 REA RD, WAXHAW, NC 28173-6643
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Sep 2, 2020	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK
Sep 10, 2019	Warranty Deed, Transfer · Line of Credit TOWNEBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2023 · Amount on Record
Deed Sale	Nov 6, 2023 · Amount on Record
Prior Sale	Sep 2, 2020 · Amount on Record
Deed Book / Page	5097 / 765
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Nov 6, 2023
Property Address	397 E SECOND ST, OCEAN ISLE BEACH, NC 28469-7609
Document Number	0050970765
Book / Page	5097 / 765
Map Reference	CAB H PG 375
Instrument Date	Oct 30, 2023
Transaction Type	Transfer
Record Updated	Nov 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9859 FLOWER BONNET AVE NW, CONCORD, NC 28027-8230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8711 REA RD, WAXHAW, NC 28173-6643

Mortgage

Document Number	0005097770
Date	Nov 6, 2023
Instrument	5097/770

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Sep 2, 2020
Property Address	397 E SECOND ST, OCEAN ISLE BEACH, NC 28469-7609
Document Number	0044320721
Book / Page	4432 / 721
Map Reference	CAB H PG 375
Instrument Date	Aug 25, 2020
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,443.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 W CLARKSVILLE CT, 100, CARY, NC 27513-5628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9867 FLOWER BONNET AVE NW, CONCORD, NC 28027-8230

Mortgage

Document Number	0004432732
Date	Sep 2, 2020
Instrument	4432/732

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Sep 10, 2019
Property Address	397 E SECOND ST, OCEAN ISLE BEACH, NC 28469-7609
Document Number	0042411204
Book / Page	4241 / 1204
Map Reference	CAB H PG 375
Instrument Date	Sep 4, 2019
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 W CLARKSVILLE CT, 100, CARY, NC 27513-5628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 W CLARKSVILLE CT, CARY, NC 27513-5628

Mortgage

Document Number	0042411206
Date	Sep 10, 2019
Instrument	4241/1206

Lender

Name	TOWNEBANK
Type	Bank

Agreement

Type	Line of Credit
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		$893,760 (-) Land $225,000 Building $668,760	$893,760 (-) Land $225,000 Building $668,760
2025	$3,457.00	$893,760 (+1.54%) Land $225,000 Building $668,760	$893,760 (+1.54%) Land $225,000 Building $668,760
2023		$880,180 Land $225,000 Building $655,180	$880,180 Land $225,000 Building $655,180

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	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	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	Moderate above 44% of the US · above 65% of North Carolina
Wildfire Likelihood	0.03% 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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