490 River Bluff Dr, Unit 4, Shallotte, NC 28470 Property Records

Brunswick County property record for 490 River Bluff Dr, Unit 4, Shallotte, NC 28470

Property Summary

Property Type	Townhouse
Details	3 bd · 4.5 ba · 2,562 sqft · built 2000
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Apr 2021)
Tax Bill	$3,315 (2025)
Deeds & Mortgages	Sep 2021 Transfer Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`198OC00104`

Property Details

APN / Parcel Number

Primary APN	`198OC00104`
Alternative APNs	`109709079399` `80116889`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Units	4 Units
Stories	1 Story
Building Area	2,562 sqft Heated Area
Gross Area	3,396 sqft
1st Floor Area	964 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Wood Shingle
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Shingle
Lot Area	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80116889
Street Address	490 RIVER BLUFF DR, 4
City	SHALLOTTE
State	NC
Zip	28470-5280
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R10
Legal Description	L-2D BLDG 2 THE BLUFFS TOWNHMS PL-24/71-72
Legal Lot Number	2D
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	2
Census Block	2016
Census Tract	20514

Owner

490 River Bluff Dr, Unit 4 is owned and occupied by an individual who acquired it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	490 RIVER BLUFF DR, 4, SHALLOTTE, NC 28470-5280
Occupancy	Owner Occupied
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
Sep 17, 2021	Intrafamily Transfer, Transfer
Apr 9, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 30, 2019	Deed of Trust, Mortgage FIRST CITIZENS BANK & TRUST CO
Jun 26, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2021 · Amount on File
Deed Sale	Apr 9, 2021 · Amount on File
Prior Sale	Apr 1, 2001 · Amount on File
Deed Book / Page	4592 / 624
Last Transfer Date	Sep 17, 2021
Transfer Doc	0047060882
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRUNSWICK NC
Recording Date	Sep 17, 2021
Property Address	490 RIVER BLUFF DR UNIT 4, 4, SHALLOTTE, NC 28470-5280
Document Number	0047060882
Book / Page	4706 / 882
Map Reference	CAB 24 PG 71&72
Instrument Date	Sep 17, 2021
Transaction Type	Transfer
Record Updated	Oct 20, 2021

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	490 RIVER BLUFF DR UNIT 4, 4, SHALLOTTE, NC 28470-5280

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Apr 9, 2021
Property Address	490 RIVER BLUFF DR UNIT 4, 4, SHALLOTTE, NC 28470-5280
Document Number	0045920624
Book / Page	4592 / 624
Map Reference	CAB 24 PG 71&72
Instrument Date	Apr 7, 2021
Transaction Type	Transfer
Record Updated	Aug 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	833 LOBLOLLY DR SW, 833, SHALLOTTE, NC 28470-5698

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 RIVER BLUFF DR UNIT 4, 4, SHALLOTTE, NC 28470-5280

Mortgage

Document Number	4592627
Date	Apr 9, 2021
Instrument	4592/627

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	490 RIVER BLUFF DR UNIT 4, 4, SHALLOTTE, NC 28470-5280
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042530542
Date	Sep 30, 2019
Book Page	4253/0542

Lender

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

Agreement

Amount	Amount on Record

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Jun 26, 2019
Property Address	490 RIVER BLUFF DR UNIT 4, 4, SHALLOTTE, NC 28470-5280
Document Number	0042091068
Book / Page	004209 / 001068
Instrument Date	Jun 24, 2019
Transaction Type	Transfer
Record Updated	Jul 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	833 LOBLOLLY DR SW SHALLOTTE NC 284705698, SHALLOTTE, NC 28470-5698

Tax Assessment & Valuation

The 2025 property tax bill for 490 River Bluff Dr, Unit 4 was $3,315, 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		$447,080 (-) Land $90,000 Building $357,080	$447,080 (-) Land $90,000 Building $357,080
2025	$3,315.00 (+1.16%)	$447,080 Land $90,000 Building $357,080	$447,080 Land $90,000 Building $357,080
2024	$3,277.00
2023		$447,080 Land $90,000 Building $357,080	$447,080 Land $90,000 Building $357,080

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

Flood

FEMA maps place 490 River Bluff Dr, Unit 4 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 490 River Bluff Dr, Unit 4 is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 96% of North Carolina
Wildfire Likelihood	0.3% 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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