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

Brunswick County property record for 85 E First St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,584 sqft · built 1940
Lot Size	0.117 acres (5,097 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Oct 2022)
Tax Bill	$2,052 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`258AC003`

Property Details

APN / Parcel Number

Primary APN	`258AC003`
Alternative APNs	`107518312394` `60742740` `80133453`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,584 sqft Heated Area
Gross Area	1,968 sqft
1st Floor Area	792 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1963
Exterior Material	Wood Shingle
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,097 sqft (0.117 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80133453
Street Address	85 E FIRST ST
City	OCEAN ISLE BEACH
State	NC
Zip	28469-7601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L-8 B-12 S-B OI PLAT 3/179
Legal Block	12
Legal Lot Number	8
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	3
Census Block	3004
Census Tract	20512

Owner

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	PO BOX 1507, SIMPSONVILLE, SC 29681-1507
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2022 · Amount on Record
Deed Sale	Oct 20, 2022 · Amount on Record
Prior Sale	Nov 1, 2004
Deed Book / Page	4927 / 755
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRUNSWICK NC
Recording Date	Oct 20, 2022
Property Address	85 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7601
Document Number	0049270755
Book / Page	4927 / 755
Map Reference	MB 3 PG 179&179A
Instrument Date	Oct 19, 2022
Transaction Type	Transfer
Record Updated	Nov 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,070.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	902 DUKE ST, 902, SHELBY, NC 28150-4719

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1507, SIMPSONVILLE, SC 29681-1507

Mortgage

Document Number	0004927758
Date	Oct 20, 2022
Instrument	4927/758

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.2%
Type Change Date	Nov 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	6.2%
Index	5-Year CMT
Margin	2
Max Rate	10.2%

Tax Assessment & Valuation

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

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
2026		$541,560 (-) Land $400,000 Building $141,560	$541,560 (-) Land $400,000 Building $141,560
2025	$2,052.00	$541,560 (-) Land $400,000 Building $141,560	$541,560 (-) Land $400,000 Building $141,560
2023		$541,560 Land $400,000 Building $141,560	$541,560 Land $400,000 Building $141,560

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	Direct burnable vegetation

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