433 E Third St, Ocean Isle Beach, NC 28469 Property Records

Brunswick County property record for 433 E Third St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 2,350 sqft · built 2020
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Mar 2020)
Tax Bill	$4,083 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`244LB02403`

Property Details

APN / Parcel Number

Primary APN	`244LB02403`
Alternative APNs	`108514346563` `80092528`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	2,350 sqft Heated Area
Gross Area	3,714 sqft
1st Floor Area	494 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Fiber Cement Siding
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Shingle
Lot Area	4,792 sqft (0.11 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80092528
Street Address	433 E THIRD ST
City	OCEAN ISLE BEACH
State	NC
Zip	28469-7705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L-3 B-24 OCEAN ISLE BEACH PL H/375
Legal Subdivision	OCEAN ISLE BEACH
Legal Block	24
Legal Lot Number	3
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	4
Census Block	4019
Census Tract	20512

Owner

433 E Third St is owned by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	107 FERNWORTH CT, CLEMMONS, NC 27012-9025
Owner Type	Individual
Vesting	Et Al (and Others)

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 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP
May 21, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Mar 6, 2020	Warranty Deed, Construction Loan · Construction Mortgage CITIZENS BANK NA
Jan 10, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on File
Deed Sale	Mar 6, 2020 · Amount on File
Prior Sale	Jan 10, 2017 · Amount on File
Deed Book / Page	4326 / 726
Prior Transfer Date	Sep 30, 2014
Prior Transfer Doc	0035750147
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	433 E THIRD ST, OCEAN ISLE BEACH, NC 28469-7705
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046231369
Date	May 21, 2021
Book Page	4623/1369

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	433 E THIRD ST, OCEAN ISLE BEACH, NC 28469-7705
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 GLANDON CT, FORT MILL, SC 29708-8076

Mortgage

Document Number	0046240001
Date	May 21, 2021
Book Page	4624/1

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Mar 6, 2020
Property Address	433 E THIRD ST, OCEAN ISLE BEACH, NC 28469-7705
Document Number	0043260726
Book / Page	4326 / 726
Map Reference	MB H PG 375
Instrument Date	Dec 10, 2019
Transaction Type	Construction Loan
Record Updated	Nov 8, 2022

Transaction

Amount	Amount on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	69 MONROE ST, 69, OCEAN ISLE BEACH, NC 28469-7640

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	9255 WINSTON AVENUE, URBANDALE, IA 50322

Mortgage

Document Number	0043260729
Date	Mar 6, 2020
Instrument	4326/0729

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Jan 10, 2017
Property Address	433 E THIRD ST, OCEAN ISLE BEACH, NC 28469-7705
Document Number	0038600322
Book / Page	003860 / 000322
Instrument Date	Jan 4, 2017
Transaction Type	Transfer
Record Updated	Mar 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$206.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	202 E SECOND ST OCEAN ISLE BEACH NC 284697610, OCEAN ISLE BEACH, NC 28469-7610

Tax Assessment & Valuation

The 2025 property tax bill for 433 E Third St was $4,083, down 0.3% 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	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		$1,038,170 (-) Land $250,000 Building $788,170	$1,038,170 (-) Land $250,000 Building $788,170
2025	$4,083.00 (-0.29%)	$1,038,170 Land $250,000 Building $788,170	$1,038,170 Land $250,000 Building $788,170
2024	$4,095.00
2023		$1,038,170 Land $250,000 Building $788,170	$1,038,170 Land $250,000 Building $788,170

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

Flood

FEMA maps place 433 E Third 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 433 E Third St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% 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.

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 90 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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