404 Cobia St, Sunset Beach, NC 28468 Property Records

Brunswick County property record for 404 Cobia St, Sunset Beach, NC 28468

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,776 sqft · built 1983
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$736,000 (Nov 2023)
Tax Bill	$4,088 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`256NC032`

Property Details

APN / Parcel Number

Primary APN	`256NC032`
Alternative APNs	`105409159254` `80043440` `80148060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,776 sqft Heated Area
Gross Area	2,520 sqft
1st Floor Area	120 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1993
Exterior Material	Wood Shingle
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Porch	Patio
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80148060
Street Address	404 COBIA ST
City	SUNSET BEACH
State	NC
Zip	28468
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BR2
Legal Description	L-34 CANAL-D SSB PL 10/58
Legal Subdivision	CANAL D
Legal Lot Number	34
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	1
Census Block	1044
Census Tract	20512

Owner

404 Cobia St is owned by two individuals who bought it in November 2023.

Source: Brunswick County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	106 FALKNER DR, CHAPEL HILL, NC 27517-8117
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2023 · Amount on File
Deed Sale	Nov 22, 2023 · Amount on File
Deed Book / Page	5104 / 861
Prior Transfer Date	Oct 22, 2015
Prior Transfer Doc	0037010580
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Nov 22, 2023
Property Address	404 COBIA ST, SUNSET BEACH, NC 28468
Document Number	0051040861
Book / Page	5104 / 861
Map Reference	MB 10 PG 58
Instrument Date	Nov 16, 2023
Transaction Type	Transfer
Record Updated	Dec 11, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,472.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 FALKNER DR, CHAPEL HILL, NC 27517-8117

Mortgage

Document Number	0005104863
Date	Nov 22, 2023
Instrument	5104/863

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Margin	3
Max Rate	11.8%

Tax Assessment & Valuation

The 2025 property tax bill for 404 Cobia St was $4,088, up 1.6% from the year before.

Source: Brunswick County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Brunswick County
Municipality	Sunset Beach Town
Unified School District	Brunswick County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$774,470 (-) Land $390,000 Building $384,470	$774,470 (-) Land $390,000 Building $384,470
2025	$4,088.00 (+1.62%)	$774,470 Land $390,000 Building $384,470	$774,470 Land $390,000 Building $384,470
2024	$4,023.00
2023		$761,610 Land $390,000 Building $371,610	$761,610 Land $390,000 Building $371,610

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

Flood

FEMA maps place 404 Cobia St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 970 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,102 units insured incl. 132 condo units
Nearby Flood Claims	210 (1979–2022)
Claims Outside the SFHA	6 of 210
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 43 claims Hurricane Bonnie, Aug 1998 · 53 claims Hurricane Fran, Sep 1996 · 20 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

Wildfire risk around 404 Cobia St is moderate, ranking above 63% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · above 86% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Focus Broadband Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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