Brunswick County property record for 5220 E Beach Dr, Oak Island, NC 28465
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,712 sqft · built 2024 |
| Lot Size | 0.217 acres (9,453 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Oct 2017) |
| Tax Bill | $3,859 (2025) |
| Deeds & Mortgages | Dec 2023 Construction Loan Jun 2022 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 249DD008 |
| Primary APN | 249DD008 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,712 sqft Heated Area |
| Gross Area | 3,006 sqft |
| 1st Floor Area | 814 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 9,453 sqft (0.217 acres) |
| Porch | Patio |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80064858 |
|---|---|
| Street Address | 5220 E BEACH DR |
| City | OAK ISLAND |
| State | NC |
| Zip | 28465-5045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 |
| Legal Description | L-10 B-5 S-1 LB PLAT 1/98 |
| Legal Subdivision | LONG BEACH |
| Legal Block | 5 |
| Legal Lot Number | 10 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SMITHVILLE |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 20315 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 5220 E BEACH DR, OAK ISLAND, NC 28465-5045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Dec 28, 2023 | Deed of Trust, Mortgage · Construction Mortgage AMERICAN BANK OF THE CAROLINAS |
| Jun 20, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Feb 16, 2021 | Deed of Trust, Construction Loan · Construction Mortgage OTHER INSTITUTIONAL LENDERS |
| Oct 2, 2017 | Warranty Deed, Transfer · Conventional with PMI THOMAS ETHEL M LIVING TR(LT) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2017 · Amount on Record |
| Deed Sale | Oct 2, 2017 · Amount on Record |
| Deed Book / Page | 3966 / 1196 |
| Prior Transfer Date | Mar 7, 2008 |
| Prior Transfer Doc | 0027610865 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 5220 E BEACH DR, OAK ISLAND, NC 28465-5045 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2024 |
| Name | Verified Name |
|---|---|
| Address | 5220 E BEACH DR, OAK ISLAND, NC 28465-5045 |
| Document Number | 0051171309 |
|---|---|
| Date | Dec 28, 2023 |
| Book Page | 5117/1309 |
| Name | AMERICAN BANK OF THE CAROLINAS |
|---|---|
| Type | Bank |
| Address | INDIAN TRAIL, NC 28079 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 5220 E BEACH DR, OAK ISLAND, NC 28465-5045 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0048681391 |
|---|---|
| Date | Jun 20, 2022 |
| Book Page | 4868/1391 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | ASHEVILLE, NC 28801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Feb 16, 2021 |
| Property Address | 5220 E BEACH DR, OAK ISLAND, NC 28465-5045 |
| Document Number | 0045490045 |
| Book / Page | 004549 / 000045 |
| Instrument Date | Feb 10, 2021 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 17, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2725 CEDAR TRAIL LN WINGATE NC 281748234, WINGATE, NC 28174-8234 |
| Document Number | 45490045 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 004549/000045 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | MARSHVILLE, NC 28103 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 15, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Oct 2, 2017 |
| Property Address | 5220 E BEACH DR, OAK ISLAND, NC 28465-5045 |
| Document Number | 0039661196 |
| Book / Page | 003966 / 001196 |
| Instrument Date | Sep 28, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2725 CEDAR TRAIL LN WINGATE NC 281748234, WINGATE, NC 28174-8234 |
| Document Number | 39661199 |
|---|---|
| Date | Oct 2, 2017 |
| Book Page | 003966/001199 |
| Name | THOMAS ETHEL M LIVING TR(LT) |
|---|---|
| Address | 1031 MARION LEE RD, MONROE, NC 28112-8725 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 1, 2027 |
Source: Brunswick County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Brunswick County |
| Municipality | Oak Island Town |
| Unified School District | Brunswick County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,010,190 (-) Land $445,000 Building $565,190 | $1,010,190 (-) Land $445,000 Building $565,190 | |
| 2025 | $3,859.00 | $1,010,190 (+92%) Land $445,000 Building $565,190 | $1,010,190 (+92%) Land $445,000 Building $565,190 |
| 2023 | $526,130 Land $445,000 Building $81,130 | $526,130 Land $445,000 Building $81,130 |
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 | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 183 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 348 units insured incl. 165 condo units |
| Nearby Flood Claims | 46 (2004–2024) |
| Claims Outside the SFHA | 6 of 46 |
| Most Recent Claim | Sep 2024 · Potential Tropical Cyclone Eight |
| 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 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 OAK ISLAND serves 26,924 people · EPA ID NC0410020 |
|---|---|
| Water Source | Purchased surface water from BRUNSWICK COUNTY WATER SYSTEM |
| Last State Inspection | Oct 2025 |
| 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.
Source: FCC Broadband Data Collection, based on 383 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Focus Broadband Fiber | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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