Brunswick County property record for 91 W Second St, Ocean Isle Beach, NC 28469
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,608 sqft · built 2017 |
| Lot Size | 0.116 acres (5,053 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Jan 2017) |
| Tax Bill | $4,138 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 257FO046 |
| Primary APN | 257FO046 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 2,608 sqft Heated Area |
| Gross Area | 4,402 sqft |
| 1st Floor Area | 350 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Wood Shingle |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 5,053 sqft (0.116 acres) |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 80056695 |
|---|---|
| Street Address | 91 W SECOND 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-46 RESORT AT OCEAN ISLE BEACH PLAT 33/542 |
| Legal Subdivision | RESORT AT OCEAN ISLE BEACH SUBDIVISION |
| Legal Lot Number | 46 |
| Jurisdiction | BRUNSWICK NC |
| Township / Civil Division | SHALLOTTE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 20512 |
91 W Second St is owned by two individuals who bought it in January 2017.
Source: Brunswick County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 CARLO CT, GREENSBORO, NC 27410-2501 |
| 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.
| Date | Document |
|---|---|
| Oct 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Nov 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Jan 12, 2018 | Loan Modification, Mortgage FIRST BK |
| Jan 20, 2017 | Warranty Deed, Construction Loan · Construction Mortgage FIRST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2017 · Amount on File |
| Deed Sale | Jan 20, 2017 · Amount on File |
| Prior Sale | Apr 4, 2008 · Amount on File |
| Deed Book / Page | 3863 / 1271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 91 W SECOND ST, OCEAN ISLE BEACH, NC 28469 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0042660903 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 4266/0903 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | SOUTHERN PINES, NC 28387 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 91 W SECOND ST, OCEAN ISLE BEACH, NC 28469 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0044931384 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 4493/1384 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Property Address | 91 W SECOND ST, OCEAN ISLE BEACH, NC 28469 |
| Document Number | 0040070036 |
| Instrument Date | Jan 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 91 WE SECOND ST OCEAN ISLE BEACH NC 28469, OCEAN ISLE BEACH, NC 28469 |
| Document Number | 0040070036 |
|---|---|
| Date | Jan 16, 2018 |
| Book Page | 004007/000036 |
| Name | FIRST BK |
|---|---|
| Type | Bank |
| Address | TROY, NC 27371 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 15, 2048 |
| Rate | 4% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRUNSWICK NC |
| Recording Date | Jan 20, 2017 |
| Property Address | 91 W SECOND ST, OCEAN ISLE BEACH, NC 28469 |
| Document Number | 0038631271 |
| Book / Page | 3863 / 1271 |
| Map Reference | CAB33 PG542-544 |
| Instrument Date | Jan 19, 2017 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $320.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10550 ARNOLD PALMER DR, 10550, RALEIGH, NC 27617-7775 |
| Name | Verified Name |
|---|---|
| Address | 6714 FORSYTHIA DR, GREENSBORO, NC 27410-4910 |
| Document Number | 0038631274 |
|---|---|
| Date | Jan 20, 2017 |
| Instrument | 3863/1274 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Type Change Date | Jan 1, 2023 |
|---|
The 2025 property tax bill for 91 W Second St was $4,138.
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 | $1,056,890 (-) Land $300,000 Building $756,890 | $1,056,890 (-) Land $300,000 Building $756,890 | |
| 2025 | $4,138.00 | $1,056,890 Land $300,000 Building $756,890 | $1,056,890 Land $300,000 Building $756,890 |
| 2023 | $1,056,890 Land $300,000 Building $756,890 | $1,056,890 Land $300,000 Building $756,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 91 W Second St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 481 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1,226 units insured incl. 745 condo units |
| Nearby Flood Claims | 245 (1979–2022) |
| Claims Outside the SFHA | 6 of 245 |
| 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.
Wildfire risk around 91 W Second St is low, with less than 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 97% of the US · lower than 98.5% 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 189 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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