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

Brunswick County property record for 447 E Fourth St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 2,592 sqft · built 2017
Lot Size	0.115 acres (5,012 sqft)
Owner	Individual Name on Record
Last Sale	$1,495,000 (May 2025)
Tax Bill	$4,073 (2025)
Deeds & Mortgages	Dec 2021 Sale Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`244LF03432`

Property Details

APN / Parcel Number

Primary APN	`244LF03432`
Alternative APNs	`108514442868` `80121285`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Building Area	2,592 sqft Heated Area
Gross Area	3,932 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Fiber Cement Siding
Roof Type	Hip
Roof Material	Shingle
Lot Area	5,012 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80121285
Street Address	447 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-5 B-12 S-A OIB PLAT H/375
Legal Subdivision	OCEAN ISLE BEACH
Legal Block	12
Legal Lot Number	5
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	Individual Name on Record
Mailing Address	9825 MOODY CT, HARRISBURG, NC 28075-6643
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2021	Deed, Transfer
Jun 2, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Feb 27, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST BANK
Oct 16, 2017	Loan Modification, Mortgage FIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2025 · Amount on Record
Deed Sale	May 29, 2025 · Amount on Record
Prior Sale	Jun 2, 2021 · Amount on Record
Deed Book / Page	5361 / 162
Record Updated	Sep 20, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Dec 29, 2021
Property Address	447 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7707
Document Number	0047720520
Book / Page	4772 / 520
Map Reference	CAB H PG 375
Instrument Date	Dec 29, 2021
Transaction Type	Transfer
Record Updated	Mar 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9825 MOODY CT, 9825, HARRISBURG, NC 28075-6643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9825 MOODY CT, HARRISBURG, NC 28075-6643

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Jun 2, 2021
Property Address	447 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7707
Document Number	0046320944
Book / Page	4632 / 944
Map Reference	CAB H PG 375
Instrument Date	May 27, 2021
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	CAROLINA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 LONGVIEW CIR, 220, NORTH LIMA, OH 44452-9552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9825 MOODY CT, HARRISBURG, NC 28075-6643

Mortgage

Document Number	4632947
Date	Jun 2, 2021
Instrument	4632/947

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	447 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7707
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038760762
Date	Feb 27, 2017
Book Page	3876/0762

Lender

Name	FIRST BANK
Type	Bank
Address	TROY, NC 27371

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Mar 1, 2048

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BRUNSWICK NC
Property Address	447 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7707
Document Number	0039741087
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 E FOURTH ST OCEAN ISLE BEACH NC 28469, OCEAN ISLE BEACH, NC 28469

Mortgage

Document Number	0039741087
Date	Oct 20, 2017
Book Page	003974/001087

Lender

Name	FIRST BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 19, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

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	$4,073.00	$1,073,920 (-) Land $300,000 Building $773,920	$1,073,920 (-) Land $300,000 Building $773,920
2023		$1,073,920 Land $300,000 Building $773,920	$1,073,920 Land $300,000 Building $773,920

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

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 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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