686 Cypress Ct, Sunset Beach, NC 28468 Property Records

Brunswick County property record for 686 Cypress Ct, Sunset Beach, NC 28468

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,127 sqft · built 1989
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Apr 2015)
Tax Bill	$2,159 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`242OA097`

Property Details

APN / Parcel Number

Primary APN	`242OA097`
Alternative APNs	`105513028517` `80038039`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,127 sqft Heated Area
Gross Area	2,863 sqft
1st Floor Area	2,127 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Hip
Roof Material	Shingle
Lot Area	10,454 sqft (0.24 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80038039
Street Address	686 CYPRESS CT
City	SUNSET BEACH
State	NC
Zip	28468-5311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR3
Legal Description	L-97 S-2 SUGAR SANDS PLAT T/268
Legal Subdivision	SUGAR SANDS PH 02
Legal Lot Number	97
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	1
Census Block	1020
Census Tract	20518

Owner

686 Cypress Ct is owned and occupied by two individuals who bought it in April 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	686 CYPRESS CT, SUNSET BEACH, NC 28468-5311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Jan 16, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2015 · Amount on File
Deed Sale	Apr 21, 2015 · Amount on File
Deed Book / Page	3635 / 338
Prior Transfer Date	Mar 5, 2007
Prior Transfer Doc	2565001361
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	686 CYPRESS CT, SUNSET BEACH, NC 28468-5311
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054900142
Date	Jan 16, 2026
Book Page	5490/142

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	686 CYPRESS CT, SUNSET BEACH, NC 28468-5311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043420704
Date	Apr 8, 2020
Book Page	4342/704

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 686 Cypress Ct was $2,159.

Source: Brunswick County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Brunswick County
Municipality	Sunset Beach Town
Unified School District	Brunswick County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$350,360 (-) Land $40,000 Building $310,360	$350,360 (-) Land $40,000 Building $310,360
2025	$2,159.00	$350,360 Land $40,000 Building $310,360	$350,360 Land $40,000 Building $310,360
2023		$350,360 Land $40,000 Building $310,360	$350,360 Land $40,000 Building $310,360

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

Flood

FEMA maps place 686 Cypress Ct in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 80 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	110 units insured incl. 30 condo units

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 686 Cypress Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 278 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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