489 River Bluff Dr, Unit 3, Shallotte, NC 28470 Property Records

Brunswick County property record for 489 River Bluff Dr, Unit 3, Shallotte, NC 28470

Property Summary

Property Type	Townhouse
Details	3 bd · 4.5 ba · 2,288 sqft · built 2005
Lot Size	0.041 acres (1,786 sqft)
Owner	2 Individual Names on File
Last Sale	$342,500 (Aug 2013)
Tax Bill	$3,188 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`198PC00103`

Property Details

APN / Parcel Number

Primary APN	`198PC00103`
Alternative APNs	`109709078425` `80114296`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Units	4 Units
Stories	2 Stories
Building Area	2,288 sqft Heated Area
Gross Area	3,564 sqft
1st Floor Area	924 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Architectural Style	Townhouse
Exterior Material	Wood Shingle
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Shingle
Lot Area	1,786 sqft (0.041 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80114296
Street Address	489 RIVER BLUFF DR, 3
City	SHALLOTTE
State	NC
Zip	28470-5279
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R10
Legal Description	TH 7C BLDG 7 BLUFFS PLAT 35/189
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	2
Census Block	2016
Census Tract	20514

Owner

489 River Bluff Dr, Unit 3 is owned and occupied by two individuals who acquired it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	489 RIVER BLUFF DR, 3, SHALLOTTE, NC 28470-5279
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2013 · Amount on File
Deed Sale	Aug 26, 2013 · Amount on File
Deed Book / Page	3446 / 431
Last Transfer Date	Jul 19, 2021
Transfer Doc	0046660771
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRUNSWICK NC
Recording Date	Jul 22, 2021
Property Address	489 RIVER BLUFF DR UNIT 3, 3, SHALLOTTE, NC 28470-5279
Document Number	0046660771
Book / Page	4666 / 771
Map Reference	CAB 35 PG 189
Instrument Date	Jul 19, 2021
Transaction Type	Transfer
Record Updated	Oct 1, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 RIVER BLUFF DR, SHALLOTTE, NC 28470-5895

Mortgage

Document Number	4666775
Date	Jul 22, 2021
Instrument	4666/775

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Aug 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	Other
Max Rate	7.37%

Tax Assessment & Valuation

The 2025 property tax bill for 489 River Bluff Dr, Unit 3 was $3,188, up 1.2% 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	Shallotte Town
Unified School District	Brunswick County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$427,580 (-) Land $48,000 Building $379,580	$427,580 (-) Land $48,000 Building $379,580
2025	$3,188.00 (+1.21%)	$427,580 Land $48,000 Building $379,580	$427,580 Land $48,000 Building $379,580
2024	$3,150.00
2023		$427,580 Land $48,000 Building $379,580	$427,580 Land $48,000 Building $379,580

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

Flood

FEMA maps place 489 River Bluff Dr, Unit 3 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 59 policies
Nearby Flood Policies	59 in force
Nearby Flood Claims	6 (2018–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 3 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 489 River Bluff Dr, Unit 3 is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 89% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Focus Broadband Cable · Fiber in parts of the area	1,000 / 35

May also be available: T-Mobile, Verizon.

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