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

Brunswick County property record for 407 E Fourth St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 2,496 sqft · built 2023
Lot Size	0.24 acres (10,458 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,775,000 (Dec 2025)
Tax Bill	$5,077 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Apr 2022 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`244NL033`

Property Details

APN / Parcel Number

Primary APN	`244NL033`
Alternative APNs	`108514248625` `80024218` `80120505`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Building Area	2,496 sqft Heated Area
Gross Area	4,702 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Fiber Cement Siding
Roof Type	Hip
Roof Material	Metal
Lot Area	10,458 sqft (0.24 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80120505
Street Address	407 E FOURTH ST
City	OCEAN ISLE BEACH
State	NC
Zip	28469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L-114 PH-III LITTLE BEACH LANDING PL 81/68
Legal Subdivision	LITTLE BEACH LANDING SUBDIVISION
Legal Phase	III
Legal Lot Number	114
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	2 Individual Names on Record
Mailing Address	1022 WOOD DUCK LN, WINSTON SALEM, NC 27106-6297
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Apr 11, 2022	Warranty Deed, Transfer
Apr 27, 2021	Special Warranty Deed, Transfer
Apr 27, 2021	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2025 · Amount on Record
Deed Sale	Dec 2, 2025 · Amount on Record
Prior Sale	Apr 27, 2021 · Amount on Record
Deed Book / Page	5466 / 12
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Dec 2, 2025
Property Address	407 E FOURTH ST, OCEAN ISLE BEACH, NC 28469
Document Number	0054660012
Book / Page	5466 / 12
Map Reference	CAB 81 PG 65-72
Instrument Date	Nov 13, 2025
Transaction Type	Transfer
Record Updated	Dec 18, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 WOOD DUCK LN, WINSTON SALEM, NC 27106-6297

Mortgage

Document Number	0000546615
Date	Dec 2, 2025
Instrument	5466/15

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	SOFR Average 30-Day
Max Rate	11.3%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Apr 11, 2022
Property Address	407 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7707
Document Number	0048310417
Book / Page	4831 / 417
Map Reference	CAB 81 PG 65-72
Instrument Date	Mar 17, 2022
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Tax	$3,740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 975, ABERDEEN, NC 28315-0975
Investor	Possibly a Property Investor

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Apr 27, 2021
Property Address	407 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7707
Document Number	0046050107
Book / Page	4605 / 107
Map Reference	CAB 81 PG 65-72
Instrument Date	Apr 27, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 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, 2618, 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

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Apr 27, 2021
Property Address	407 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7707
Document Number	0046050110
Book / Page	4605 / 110
Map Reference	CAB 81 PG 65-72
Instrument Date	Apr 27, 2021
Transaction Type	Transfer
Record Updated	Aug 22, 2022

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, 2618, WILMINGTON, NC 28405-7426

Transferred To (Grantee/Buyer)

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

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	$5,077.00 (+3.25%)	$1,320,800 (+300.24%) Land $330,000 Building $990,800	$1,320,800 (+300.24%) Land $330,000 Building $990,800
2024	$4,917.00
2023		$330,000 Land $330,000	$330,000 Land $330,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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