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328 E First Street, Ocean Isle Beach, NC, 28469

5beds
4baths
2,674sqft
$3,398,000
$1,271price/sqft
$19,290/moest. monthly cost
$771,600/yrincome needed

About This Home

Absolutely stunning oceanfront retreat in Ocean Isle Beach, masterfully built by Carolina Bluewater, offers 5 bedrooms and 5.5 bathrooms with a thoughtfully designed reverse floor plan to maximize sweeping ocean views. Fully furnished and beautifully equipped, this coastal property is ideal as a luxurious second home or premier investment opportunity with outstanding gross rental potential. The top floor features the kitchen, dining and living areas where expansive windows fill the home with natural light and showcasing breathtaking views of the white sand and the blue surf. The elegant top-tier kitchen includes gorgeous quartz countertops, double ovens, a large island, with laundry room and pantry conveniently tucked behind a pocket door. A powder room just off the kitchen adds everyday convenience for family and guests. The spacious upstairs living space offers a gas fireplace and opens onto the large oceanfront deck with amazing views. On the first floor there are 4 bedrooms, 3 with private bathrooms with another separate living space opening onto the lower oceanfront deck. Enjoy the perfect blend of comfort and luxury with a heated private pool, fenced yard, outdoor shower, gas grill area, and the convenience of a three-stop elevator. NEW HVAC in July 2026. A private oceanfront boardwalk leads directly from this beach house to the sandy shores of the Atlantic Ocean. Ocean Isle Beach is known as one of the most beloved family beaches on the North Carolina coast, offering a relaxed, welcoming atmosphere with a new park, restaurants, shops along with a unique network of canals that provide easy access to the Intracoastal Waterway and the ocean--perfect for boating, fishing, or docking to enjoy waterfront dining and nearby coastal destinations. Exceptional rental income potential, strong occupancy appeal, and the opportunity to perform as a top-producing vacation rental await you!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

9/10
Union ElementaryGrades K-55.3 mi
4/10
Shallotte MiddleGrades 6-85.1 mi
4/10
West Brunswick HighGrades 9-125.9 mi

Construction

Condition

  • Year built: 2015

Materials

  • Foundation: Other,Pilings
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Electric Cooktop,Built-In Microwave,Washer,Self Cleaning Oven,Refrigerator,Range,Dryer,Double Oven,Disposal,Dishwasher
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Walk-in Closet(s),Vaulted Ceiling(s),Tray Ceiling(s),High Ceilings,Entrance Foyer,Solid Surface,Kitchen Island,Elevator,Ceiling Fan(s),Furnished,Pantry,Reverse Floor Plan,Walk-in Shower,Blinds/Shades,Gas Log,Walk-In Closet(s)
  • Window features: Thermal Windows
  • Flooring: LVT/LVP
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Scuttle

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 2,674
  • Total interior livable area: 2,674 sqft

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: 244og005
  • Zoning: Oi-R-1
  • Special condition: Standard

Features

  • Levels: Two
  • Pool features: In Ground
  • Patio & porch: Covered,Deck,Patio,Balcony
  • Exterior features: Outdoor Shower,DP50 Windows
  • Fencing: Back Yard,Vinyl
  • Has view: Yes
  • View description: Ocean,Water
  • Has water view: Yes
  • Water view: Ocean,Water
  • On waterfront: Yes
  • Waterfront features: Ocean Front
  • Frontage type: Oceanfront
  • Living area range: 2600 - 2799

Lot

  • Lot size: 7,841 sqft
  • Features: Ocean Side
  • Lot size dimensions: 52' x 152' x 52' x 151'

Parking

  • Parking features: Covered,Gravel,Concrete

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Inland Flooding
Ice Storm
Lightning
Tornado
Wildfire
Winter Weather
Tsunami

FEMA Declared Disasters in Brunswick County and North Carolina

Fire
Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $17,182$206,184
Home Insurance *$899$10,788
Property Taxes $960$11,520
Electricity $249$2,988
Total$19,290$231,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$661,371/yr
40% on housing$578,700/yr
45% on housing$514,400/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,271This listing

vs Other Active Listings

Avg $/sqft

ZIP 28469$389
Brunswick County$269

vs Homes Sold Last Month

Median $/sqft

ZIP 28469$247
Brunswick County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-17Listed for sale$3,398,000
2026-04-22Listing removed$3,398,000
2026-04-17Listed for sale$3,398,000
2026-02-06Sold$3,100,000
2026-01-12Pending sale$3,249,000
2026-01-06Price change$3,249,000
2025-06-16Listed for sale$3,395,000
2021-07-02Sold$1,800,000
2014-07-07Sold$505,000

For Sale by Agent

AgentSARAH HARRIS Team
BrokerageIntracoastal Realty Corporation

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