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

Brunswick County property record for 422 E Fourth St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 2,554 sqft · built 2021
Lot Size	0.116 acres (5,053 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (May 2021)
Tax Bill	$4,164 (2025)
Deeds & Mortgages	May 2021 Sale & Construction Loan Apr 2020 Sale + 4 more
Flood Zone	Zone AE (high risk)
APN	`244LB02413`

Property Details

APN / Parcel Number

Primary APN	`244LB02413`
Alternative APNs	`108514343508` `80111764`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	2,554 sqft Heated Area
Gross Area	4,468 sqft
1st Floor Area	656 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Wood Shingle
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Shingle
Lot Area	5,053 sqft (0.116 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80111764
Street Address	422 E FOURTH ST
City	OCEAN ISLE BEACH
State	NC
Zip	28469-7706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L-13 B-24 OCEAN ISLE BEACH PL H/375
Legal Subdivision	OCEAN ISLE BEACH
Legal Block	24
Legal Lot Number	13
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	4
Census Block	4019
Census Tract	20512

Owner

422 E Fourth St is owned by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	220 S SUMMIT AVE, CHARLOTTE, NC 28208-4413
Owner Type	Individual

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

Date	Document
May 27, 2021	Warranty Deed, Construction Loan · Construction Mortgage FIRST BANK
Apr 30, 2020	Grant Deed, Transfer ATTORNEY ONLY
Dec 27, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 11, 2018	Trustee's Deed, Construction Loan · Construction Mortgage ARTHUR K CATES
Jul 12, 2018	Deed of Trust, Mortgage DEBORAH HOUSTON
Aug 16, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2021 · Amount on File
Deed Sale	May 27, 2021 · Amount on File
Prior Sale	Apr 30, 2020 · Amount on File
Deed Book / Page	4629 / 1200
Prior Transfer Date	Dec 18, 2019
Prior Transfer Doc	0042950570
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	May 27, 2021
Property Address	422 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7706
Document Number	0046291200
Book / Page	4629 / 1200
Map Reference	MB 3 PG 178&178A
Instrument Date	May 11, 2021
Transaction Type	Construction Loan
Record Updated	Nov 8, 2022

Transaction

Amount	Amount on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5430 WADE PARK BLVD STE 400, 5430, RALEIGH, NC 27607-4191

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 TOWER RD, CHRISTIANSBURG, VA 24073-4156

Mortgage

Document Number	0046291205
Date	May 27, 2021
Instrument	4629/1205

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	376 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	8.25%
Index	10-Year TN
Max Rate	8.25%

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Apr 30, 2020
Property Address	422 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7706
Document Number	0043540159
Book / Page	004354 / 000159
Instrument Date	Apr 29, 2020
Transaction Type	Transfer
Record Updated	Jul 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,332.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5430 WADE PARK BLVD #400 RALEIGH NC 276074191, 400, RALEIGH, NC 27607-4191
Investor	Possibly a Property Investor

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Dec 27, 2019
Property Address	422 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7706
Document Number	0042950570
Book / Page	004295 / 000570
Instrument Date	Dec 18, 2019
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2627 BREKONRIDGE CENTRE DR MONROE NC 281105629, MONROE, NC 28110-5629

December 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Dec 11, 2018
Property Address	422 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7706
Document Number	0041340152
Book / Page	004134 / 000152
Instrument Date	Dec 3, 2018
Transaction Type	Construction Loan
Record Updated	Dec 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2627 BREKONRIDGE CENTRE DR MONROE NC 281105629, MONROE, NC 28110-5629

Mortgage

Document Number	41340152
Date	Dec 11, 2018
Book Page	004134/000152

Lender

Name	ARTHUR K CATES
Address	PO BOX 1309, MONROE, NC 28111-1309

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 10, 2019

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	422 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7706
Document Number	0041880313
Instrument Date	Jul 12, 2018
Transaction Type	Mortgage
Record Updated	May 24, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2627 BREKONRIDGE CENTRE DR MONROE NC 281105629, MONROE, NC 28110-5629

Mortgage

Document Number	0041880313
Date	May 9, 2019
Book Page	004188/000313

Lender

Name	DEBORAH HOUSTON
Address	7102 ALCOVE RD, SUMMERFIELD, NC 27358-9200

Agreement

Amount	Amount on Record
Term	12 Months
Due	May 8, 2020

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Aug 16, 2017
Property Address	422 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7706
Document Number	0039460415
Book / Page	003946 / 000415
Instrument Date	Aug 2, 2017
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,925.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2627 BREKONRIDGE CENTRE DR MONROE NC 281105629, MONROE, NC 28110-5629

Tax Assessment & Valuation

The 2025 property tax bill for 422 E Fourth St was $4,164.

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		$1,100,640 (-) Land $250,000 Building $850,640	$1,100,640 (-) Land $250,000 Building $850,640
2025	$4,164.00	$1,100,640 Land $250,000 Building $850,640	$1,100,640 Land $250,000 Building $850,640
2024	$4,164.00
2023		$1,100,640 Land $250,000 Building $850,640	$1,100,640 Land $250,000 Building $850,640

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

Flood

FEMA maps place 422 E Fourth 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 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

Wildfire risk around 422 E Fourth St is low, with a 0.02% annual chance of 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

Nearby Properties on E Fourth St

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