Brunswick County property record for 445 E Fourth St, Ocean Isle Beach, NC 28469
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,520 sqft · built 2021 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Jul 2014) |
| Tax Bill | $4,108 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 244LF03403 |
| Primary APN | 244LF03403 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 2,520 sqft Heated Area |
| Gross Area | 3,917 sqft |
| Flooring | Hardwood |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80030655 |
|---|---|
| Street Address | 445 E FOURTH ST |
| City | OCEAN ISLE BEACH |
| State | NC |
| Zip | 28469-7707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | L-4 B-12 S-A OIB PLAT H/375 |
| Legal Subdivision | OCEAN ISLE BEACH |
| Legal Block | 12 |
| Legal Lot Number | 4 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SHALLOTTE |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 20512 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 445 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION |
| Aug 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2014 · Amount on Record |
| Deed Sale | Jul 21, 2014 · Amount on Record |
| Deed Book / Page | 3548 / 264 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Aug 12, 2026 |
| Property Address | 445 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7707 |
| Document Number | 5612001356 |
| Book / Page | 5612 / 1356 |
| Instrument Date | Aug 7, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 445 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7707 |
| Document Number | 5612001356, |
|---|---|
| Date | Aug 12, 2026 |
| Book Page | 5612/1356 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 7, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.82% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 445 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7707 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0046740301 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 4674/301 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Aug 1, 2052 |
Source: Brunswick County assessment roll, as of August 26, 2025
| 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 |
|---|---|---|---|
| 2025 | $4,108.00 | $1,084,190 (+5.99%) Land $300,000 Building $784,190 | $1,084,190 (+5.99%) Land $300,000 Building $784,190 |
| 2023 | $1,022,960 Land $300,000 Building $722,960 | $1,022,960 Land $300,000 Building $722,960 |
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 | 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 |
|
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 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.
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 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 |
5G (outdoors only) and 4G LTE
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