59 E First St, Ocean Isle Beach, NC 28469 Property Records

Brunswick County property record for 59 E First St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 2,488 sqft · built 2004
Lot Size	0.12 acres (5,082 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (Mar 2019)
Tax Bill	$3,992 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`258AA010`

Property Details

APN / Parcel Number

Primary APN	`258AA010`
Alternative APNs	`107518215172` `80002517`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,488 sqft Heated Area
Gross Area	3,914 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2008
Exterior Material	Wood Shingle
Roof Type	Hip
Roof Material	Shingle
Lot Area	5,082 sqft (0.12 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80002517
Street Address	59 E FIRST ST
City	OCEAN ISLE BEACH
State	NC
Zip	28469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L-1 B-3 S-C OI PL 3/179
Legal Block	3
Legal Lot Number	1
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	3
Census Block	3013
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	2 Individual Names on Record
Mailing Address	524 PEMBROKE LN, WAXHAW, NC 28173-6532
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2019 · Amount on Record
Deed Sale	Mar 20, 2019 · Amount on Record
Prior Sale	Oct 1, 2004 · Amount on Record
Deed Book / Page	4168 / 983
Record Updated	Sep 20, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Mar 20, 2019
Property Address	59 E FIRST ST, OCEAN ISLE BEACH, NC 28469
Document Number	0041680983
Book / Page	4168 / 0983
Map Reference	CAB 3 PG 179
Instrument Date	Mar 4, 2019
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1622 WEST BLVD, 1622, RAPID CITY, SD 57701-4554

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 PEMBROKE LN, WAXHAW, NC 28173-6532

Mortgage

Document Number	41680988
Date	Mar 20, 2019
Instrument	4168/0988

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.12%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

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	$3,992.00	$1,050,410 (-) Land $400,000 Building $650,410	$1,050,410 (-) Land $400,000 Building $650,410
2023		$1,050,410 Land $400,000 Building $650,410	$1,050,410 Land $400,000 Building $650,410

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	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 596 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	658 units insured incl. 62 condo units
Nearby Flood Claims	901 (1979–2022)
Claims Outside the SFHA	2 of 901
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Isaias, Aug 2020 · 124 claims Hurricane Matthew, Oct 2016 · 106 claims Hurricane Hugo, Sep 1989 · 264 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 98% of the US · lower than 99% 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 98 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
AT&T Fixed Wireless	100 / 20