Brunswick County property record for 43 E First St, Ocean Isle Beach, NC 28469
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 2,609 sqft · built 2018 |
| Lot Size | 0.114 acres (4,966 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,469,000 (Jul 2022) |
| Tax Bill | $4,903 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage Jul 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 258AA002 |
| Primary APN | 258AA002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,609 sqft Heated Area |
| Gross Area | 4,320 sqft |
| 1st Floor Area | 1,273 sqft |
| Flooring | Hardwood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 4,966 sqft (0.114 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80130399 |
|---|---|
| Street Address | 43 E FIRST 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-9 B-3 S-C OCEAN ISLE BEACH PL 3/179 |
| Legal Subdivision | OCEAN ISLE BEACH |
| Legal Block | 3 |
| Legal Lot Number | 9 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SHALLOTTE |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 20512 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5076 WHYTE HOUSE LN, NEW ALBANY, OH 43054-8962 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Apr 10, 2019 | Deed of Trust, Mortgage CRESCOM BANK |
| Jul 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage HEARTLAND BANK |
| Dec 13, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2022 · Amount on Record |
| Deed Sale | Jul 29, 2022 · Amount on Record |
| Prior Sale | Dec 13, 2019 · Amount on Record |
| Deed Book / Page | 4890 / 1145 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 43 E FIRST ST, OCEAN ISLE BEACH, NC 28469 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0041770512 |
|---|---|
| Date | Apr 10, 2019 |
| Book Page | 4177/0512 |
| Name | CRESCOM BANK |
|---|---|
| Type | Bank |
| Address | MYRTLE BEACH, SC 29577 |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Jul 29, 2022 |
| Property Address | 43 E FIRST ST, OCEAN ISLE BEACH, NC 28469 |
| Document Number | 0048901145 |
| Book / Page | 4890 / 1145 |
| Map Reference | MB 3 PG 179&179A |
| Instrument Date | Jul 28, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,938.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 115 DUTCH POINT RD, 115, CHAPIN, SC 29036-8353 |
| Name | Verified Name |
|---|---|
| Address | 5076 WHYTE HOUSE LN, NEW ALBANY, OH 43054-8962 |
| Document Number | 0048901147 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 4890/1147 |
| Name | HEARTLAND BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.46% |
| Type Change Date | Aug 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 6.62% |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Dec 13, 2019 |
| Property Address | 43 E FIRST ST, OCEAN ISLE BEACH, NC 28469 |
| Document Number | 0042881364 |
| Book / Page | 4288 / 1364 |
| Map Reference | MB 3 PG 179&179A |
| Instrument Date | Dec 10, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1969, SHALLOTTE, NC 28459-1969 |
| Name | Verified Name |
|---|---|
| Address | 115 BUTCH POINT RD, CHAPIN, SC 29036 |
| Document Number | 0042881367 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 4288/1367 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
Source: Brunswick County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Brunswick County |
| Municipality | Ocean Isle Beach Town |
| Unified School District | Brunswick County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,316,610 (-) Land $400,000 Building $916,610 | $1,316,610 (-) Land $400,000 Building $916,610 | |
| 2025 | $4,903.00 | $1,316,610 (-) Land $400,000 Building $916,610 | $1,316,610 (-) Land $400,000 Building $916,610 |
| 2023 | $1,316,610 Land $400,000 Building $916,610 | $1,316,610 Land $400,000 Building $916,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 596 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 658 units insured incl. 62 condo units |
| Nearby Flood Claims | 901 (1979–2022) |
| Claims Outside the SFHA | 2 of 901 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 98 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 |
| AT&T Fixed Wireless | 100 / 20 |
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