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

Brunswick County property record for 450 E Fourth St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,048 sqft · built 2021
Lot Size	0.116 acres (5,053 sqft)
Owner	2 Company Names on Record
Last Sale	$395,000 (Aug 2018)
Tax Bill	$3,522 (2025)
Deeds & Mortgages	Mar 2026 Transfer Nov 2020 Construction Loan + 1 more
Flood Zone	Zone AE (high risk)
APN	`244LG001`

Property Details

APN / Parcel Number

Primary APN	`244LG001`
Alternative APNs	`108514442791` `80074406`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,048 sqft Heated Area
Gross Area	3,283 sqft
1st Floor Area	299 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Fiber Cement Siding
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	80074406
Street Address	450 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-7 B-11 S-A OIB PLAT 3/178-178A
Legal Subdivision	OCEAN ISLE BEACH
Legal Block	11
Legal Lot Number	7
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	4
Census Block	4021
Census Tract	20512

Owner

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 Company Names on Record
Mailing Address	3137 GRANDEUR RD, CHARLOTTE, NC 28269-3413
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Intrafamily Transfer, Transfer
Nov 6, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST BANK
Aug 6, 2018	Warranty Deed, Transfer · ARM FOUNDERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2018 · Amount on Record
Deed Sale	Aug 6, 2018 · Amount on Record
Deed Book / Page	4090 / 88
Prior Transfer Date	May 27, 2011
Prior Transfer Doc	0031701244
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRUNSWICK NC
Recording Date	Mar 23, 2026
Property Address	450 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7706
Document Number	0055241397
Book / Page	5524 / 1397
Map Reference	MB 3 PG 178&178A
Instrument Date	Mar 13, 2026
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3137 GRANDEUR RD, CHARLOTTE, NC 28269-3413

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	450 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7706
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3137 GRANDEUR RD, CHARLOTTE, NC 28269-3413

Mortgage

Document Number	0044811176
Date	Nov 6, 2020
Book Page	4481/1176

Lender

Name	FIRST BANK
Type	Bank
Address	GREENSBORO, NC 27401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Dec 1, 2031
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Aug 6, 2018
Property Address	450 E FOURTH ST, OCEAN ISLE BEACH, NC 28469-7706
Document Number	0040900088
Book / Page	4090 / 0088
Map Reference	MB3 PG178&178A
Instrument Date	Jul 26, 2018
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$790.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	58 JOAN DR, 58, TAYLORS, SC 29687-5807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3137 GRANDEUR RD, CHARLOTTE, NC 28269-3413

Mortgage

Document Number	0040900091
Date	Aug 6, 2018
Instrument	4090/0091

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.75%
Index	1-Year CMT
Margin	2
Max Rate	9.75%

Tax Assessment & Valuation

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		$912,970 (-) Land $300,000 Building $612,970	$912,970 (-) Land $300,000 Building $612,970
2025	$3,522.00	$912,970 (-) Land $300,000 Building $612,970	$912,970 (-) Land $300,000 Building $612,970
2024	$3,522.00
2023		$912,970 Land $300,000 Building $612,970	$912,970 Land $300,000 Building $612,970

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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