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

Brunswick County property record for 95 E First St, Ocean Isle Beach, NC 28469

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,328 sqft · built 1982
Lot Size	0.11 acres (4,970 sqft)
Owner	Company Name on File
Last Sale	$330,000 (Feb 2015)
Tax Bill	$3,240 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`258AC008`

Property Details

APN / Parcel Number

Primary APN	`258AC008`
Alternative APNs	`107518315431` `80055988`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,328 sqft Heated Area
Gross Area	3,032 sqft
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1988
Exterior Material	Wood Shingle
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,970 sqft (0.11 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80055988
Street Address	95 E FIRST 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-3 B-12 S-B OIB PLAT 3/179
Legal Subdivision	OCEAN ISLE BEACH
Legal Block	12
Legal Lot Number	3
Jurisdiction	BRUNSWICK NC
Township / Civil Division	SHALLOTTE
Census Block Group	3
Census Block	3004
Census Tract	20512

Owner

Source: Brunswick County records · APN 258AC008

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	Company Name on File
Mailing Address	PO BOX 396, HARRISBURG, NC 28075-0396
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 25, 2015 · Amount on Record
Deed Sale	Feb 25, 2015 · Amount on Record
Prior Sale	Sep 12, 2014 · Amount on Record
Deed Book / Page	3614 / 812
Last Transfer Date	Dec 18, 2016
Transfer Doc	0038540542
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRUNSWICK NC
Property Address	95 E FIRST ST, OCEAN ISLE BEACH, NC 28469
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044880223
Date	Nov 17, 2020
Book Page	4488/223

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2035

Tax Assessment & Valuation

Source: Brunswick County records · Assessment roll updated August 26, 2025 · Last verified June 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

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	$3,240.00	$811,230 (-) Land $400,000 Building $411,230	$811,230 (-) Land $400,000 Building $411,230
2024	$3,240.00
2023		$811,230 Land $400,000 Building $411,230	$811,230 Land $400,000 Building $411,230

Flood & Wildfire

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

Flood

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

Wildfire

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 at the parcel

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.

Internet Providers

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 98 locations within half a mile of this property.

Drinking Water

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

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 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.