Brunswick County property record for 78 E First St, Ocean Isle Beach, NC 28469
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 6.5 ba · 3,776 sqft · built 2013 |
| Lot Size | 0.179 acres (7,797 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,600 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 258AJ004 |
| Primary APN | 258AJ004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,776 sqft Heated Area |
| Gross Area | 5,134 sqft |
| 1st Floor Area | 238 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Wood Shingle |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 7,797 sqft (0.179 acres) |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 61619180 |
|---|---|
| Street Address | 78 E FIRST ST |
| City | OCEAN ISLE BEACH |
| State | NC |
| Zip | 28469-7600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | L-4 B-1 S-C OIB PLAT 3/179-179A |
| Legal Subdivision | OCEAN ISLE BEACH |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SHALLOTTE |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 20512 |
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 | 1559 ST LUCIA DR SW, SHALLOTTE, NC 28470-0014 |
| Owner Type | Individual |
| Vesting | Her Husband |
| Date | Document |
|---|---|
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Oct 8, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Oct 29, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Aug 29, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 8, 2000 |
| Transfer Doc | 0025330938 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 78 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7600 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044961096 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 4496/1096 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 78 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7600 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042571092 |
|---|---|
| Date | Oct 8, 2019 |
| Book Page | 4257/1092 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | SOUTHERN PINES, NC 28387 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 78 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7600 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041190709 |
|---|---|
| Date | Oct 29, 2018 |
| Book Page | 4119/0709 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | OCEAN ISLE BEACH, NC 28469 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 17 Months |
| Due | Mar 29, 2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 78 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7600 |
| Document Number | 0041000129 |
| Instrument Date | Aug 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 78 E 1ST ST OCEAN ISLE BEACH NC 28469, OCEAN ISLE BEACH, NC 28469 |
| Document Number | 0041000129 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 004100/000129 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | SOUTHERN PINES, NC 28387 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 28, 2048 |
Source: Brunswick County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Brunswick County |
| Municipality | Ocean Isle Beach Town |
| Unified School District | Brunswick County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,710,950 (-) Land $800,000 Building $910,950 | $1,710,950 (-) Land $800,000 Building $910,950 | |
| 2025 | $6,600.00 (+0.02%) | $1,710,950 (-) Land $800,000 Building $910,950 | $1,710,950 (-) Land $800,000 Building $910,950 |
| 2024 | $6,599.00 | ||
| 2023 | $1,710,950 Land $800,000 Building $910,950 | $1,710,950 Land $800,000 Building $910,950 |
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 | 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 |
|
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 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.
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 |
| 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.
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 |
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