




31 Cumberland Street, Ocean Isle Beach, NC, 28469
About This Home
Located on one of the most sought-after streets in Ocean Isle Beach, this exceptional deep-water canal home on Cumberland Street offers a premier setting for true coastal living. Enjoy quick access to the Intracoastal Waterway and just a short ride--approximately 3 miles--to the open waters of the Atlantic Ocean. This spacious 5-bedroom, 4-bathroom island retreat is thoughtfully designed for both everyday comfort and effortless entertaining. Built to last, the home features a metal roof, Hardie plank siding, Trex decking, and classic Bahamian shutters that capture timeless coastal style. Inside, the bright and airy open floor plan is enhanced by vaulted ceilings and a dramatic two-story great room with a stone fireplace, creating an inviting space for gathering. The welcoming kitchen flows seamlessly into the main living areas, while generously sized bedrooms provide plenty of room for family and guests. Outdoor living truly sets this property apart. Enjoy multiple waterfront porches and decks, including two screened porches--one perfectly positioned off the kitchen for dining and another ideal for relaxing and taking in the coastal breeze. The tiki bar creates a fun, laid-back gathering space, while the large fenced backyard features low-maintenance synthetic turf, a putting green, lush landscaping with 10 palm trees, irrigation on a second water meter, and beautiful night scaping. An outdoor shower adds convenience after long days on the water or beach. Boating enthusiasts will appreciate the deep-water canal frontage paired with a 10,000 lb boat lift, making access to the water simple and enjoyable at any time. Completing the package is a 2-car garage, offering ample storage for vehicles, beach gear, and all your coastal essentials. This home delivers the perfect blend of location, lifestyle, and livability--an opportunity to fully embrace the best of canal living at Ocean Isle Beach.
Getting Around
Schools
Construction
Condition
- Year built: 2003
Materials
- Foundation: Other,Slab,Pilings
- Roof: Metal
- Construction materials: Fiber Cement,Wood Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Built-In Microwave,Washer,Refrigerator,Dryer,Dishwasher
- Laundry features: In Hall,Laundry Closet
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Features
- High Ceilings,Ceiling Fan(s),Pantry,Walk-in Shower,Blinds/Shades,Gas Log
- Door features: Thermal Doors
- Window features: Thermal Windows
- Flooring: Carpet,Tile,Wood
- Fireplace features: Gas Log
- Fireplace: Yes
- Attic: Access Only
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Central Air,Zoned
Interior Area
- Total structure area: 2,230
- Total interior livable area: 2,230 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 244on010
- Zoning: Oi-R-1
- Special condition: Standard
Features
- Levels: Two
- Pool features: None
- Patio & porch: Open,Covered,Deck,Porch,Screened
- Exterior features: Shutters - Functional,Shutters - Board/Hurricane,Outdoor Shower,Irrigation System,Gas Log,Thermal Doors
- Fencing: Partial,Vinyl
- Has view: Yes
- View description: Canal
- Has water view: Yes
- Water view: Canal
- On waterfront: Yes
- Waterfront features: Boat Lift,Bulkhead,Canal Front,Deeded Water Rights,Waterfront,Water Depth 4+
- Frontage type: Canal Front
- Living area range: 2200 - 2399
Lot
- Lot size: 5,662 sqft
- Features: Boat Dock,Boat Lift,Bulkhead,Deeded Water Rights,Deeded Waterfront,Water Depth 4+
- Lot size dimensions: 50 x 114 x 50 114
Parking
- Total spaces: 2
- Parking features: Off Street,Paved
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Hurricane
- Inland Flooding
- Ice Storm
- Lightning
- Tornado
- Wildfire
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Brunswick County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $7,837 | $94,044 |
| Home Insurance * | $410 | $4,920 |
| Property Taxes | $478 | $5,736 |
| Electricity | $207 | $2,492 |
| Total | $8,932 | $107,184 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-29 | Listed for sale | $1,550,000 |
| 2021-02-08 | Sold | $891,000 |
| 2020-12-25 | Pending sale | $890,000 |
| 2020-12-24 | Listed for sale | $890,000 |
| 2016-01-14 | Sold | $615,000 |
| 2016-01-11 | Pending sale | $639,000 |
| 2016-01-11 | Listed for sale | $639,000 |
| 2015-11-23 | Listing removed | $639,000 |
| 2015-11-04 | Listed for sale | $639,000 |
