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31 Cumberland Street, Ocean Isle Beach, NC, 28469

5beds
4baths
2,230sqft
$1,550,000
$695price/sqft
$8,932/moest. monthly cost
$357,280/yrincome needed

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

7
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

10/10
Union ElementaryGrades K-54.9 mi
3/10
Shallotte MiddleGrades 6-85.1 mi
3/10
West Brunswick HighGrades 9-125.9 mi

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
    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 $7,837$94,044
Home Insurance *$410$4,920
Property Taxes $478$5,736
Electricity $207$2,492
Total$8,932$107,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$306,240/yr
40% on housing$267,960/yr
45% on housing$238,186/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

$695This listing

vs Other Active Listings

Avg $/sqft

ZIP 28469$399
Brunswick County$270

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
2026-04-29Listed for sale$1,550,000
2021-02-08Sold$891,000
2020-12-25Pending sale$890,000
2020-12-24Listed for sale$890,000
2016-01-14Sold$615,000
2016-01-11Pending sale$639,000
2016-01-11Listed for sale$639,000
2015-11-23Listing removed$639,000
2015-11-04Listed for sale$639,000

For Sale by Agent

AgentEddy Jones
BrokerageColdwell Banker Sloane Realty OIB

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