Brunswick County property record for 87 E First St, Ocean Isle Beach, NC 28469
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 968 sqft · built 1962 |
| Lot Size | 0.12 acres (5,198 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $900,000 (May 2025) |
| Tax Bill | $2,285 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit May 2022 Line of Credit + 5 more |
| Flood Zone | Zone AE (high risk) |
| APN | 258AC004 |
| Primary APN | 258AC004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 968 sqft Heated Area |
| Gross Area | 1,625 sqft |
| 1st Floor Area | 768 sqft |
| Flooring | Softwood |
| Interior Walls | Paneling |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 5,198 sqft (0.12 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80087506 |
|---|---|
| Street Address | 87 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-7 B-12 S-B OIB PLAT 113-27 |
| Legal Subdivision | OCEAN ISLE BEACH |
| Legal Block | 12 |
| Legal Lot Number | 7 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SHALLOTTE |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 20512 |
Source: Brunswick County records · APN 258AC004
Assessment roll updated August 26, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 170 CONN DR, NEWARK, OH 43055-7940 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 27, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| May 16, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jun 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Oct 22, 2020 | Deed of Trust, Mortgage · Conventional with PMI BETTER MTG CORP ISAOA |
| Oct 04, 2019 | Warranty Deed, Transfer |
| Dec 10, 2019 | Correction Deed ATTORNEY ONLY |
| Apr 18, 2019 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 30, 2025 · Amount on Record |
| Deed Sale | May 30, 2025 · Amount on Record |
| Prior Sale | Oct 04, 2019 · Amount on Record |
| Deed Book / Page | 5362 / 580 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 87 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7601 |
| Transaction Type | Mortgage |
| Record Updated | Mar 05, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0051170628 |
|---|---|
| Date | Dec 27, 2023 |
| Book Page | 5117/628 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 11, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 87 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7601 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 87 E FIRST ST, OCEAN ISL BCH, NC 28469-7601 |
| Document Number | 0048500452 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 4850/452 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 87 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7601 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0046520664 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 4652/664 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 87 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7601 |
| Document Number | 0044721289 |
| Instrument Date | Oct 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2020 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 87 E FIRST ST OCEAN ISLE BEACH NC 284697601, OCEAN ISLE BEACH, NC 28469-7601 |
| Document Number | 0044721289 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 004472/001289 |
| Name | BETTER MTG CORP ISAOA |
|---|---|
| Address | NEW YORK, NY 10271 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 27, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Oct 04, 2019 |
| Property Address | 87 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7601 |
| Document Number | 0042560997 |
| Book / Page | 4256 / 0997 |
| Map Reference | MB 3 PG 179&179A |
| Instrument Date | Oct 01, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 76 WILMINGTON ST, 76, OCEAN ISLE BEACH, NC 28469-7635 |
| Name | Verified Name |
|---|---|
| Address | 119 LITTLE ITALY RD, IVYDALE, WV 25113-8102 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Dec 10, 2019 |
| Property Address | 87 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7601 |
| Document Number | 0042870297 |
| Book / Page | 004287 / 000297 |
| Instrument Date | Oct 01, 2019 |
| Record Updated | Jan 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $680.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 119 LITTLE ITALY RD IVYDALE WV 251138102, IVYDALE, WV 25113-8102 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Apr 18, 2019 |
| Property Address | 87 E FIRST ST, OCEAN ISLE BEACH, NC 28469-7601 |
| Document Number | 0041800769 |
| Book / Page | 004180 / 000769 |
| Instrument Date | Apr 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 09, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $570.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 87 E FIRST ST OCEAN ISLE BEACH NC 28469, OCEAN ISLE BEACH, NC 28469 |
| Document Number | 41800771 |
|---|---|
| Date | Apr 18, 2019 |
| Book Page | 004180/000771 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 17, 2049 |
Source: Brunswick County records · Assessment roll updated August 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Brunswick County |
| Municipality | Ocean Isle Beach Town |
| Unified School District | Brunswick County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,285.00 | $638,910 (+8.63%) Land $400,000 Building $238,910 | $638,910 (+8.63%) Land $400,000 Building $238,910 |
| 2023 | $588,170 Land $400,000 Building $188,170 | $588,170 Land $400,000 Building $188,170 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Atlantic Telephone Membership Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 555 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF OCEAN ISLE BEACH serves 7,925 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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