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

8beds
8baths
3,200sqft
$3,895,000
$1,217price/sqft
$22,180/moest. monthly cost
$887,200/yrincome needed

About This Home

Here It Is!!!! Oceanfront!! New Construction Home with the most incredible views that you could ever imagine!! This is a TO BE BUILT Home so the floor plan and finishes can be tweaked and adjusted per the client's preferences. This 8 bedroom home is going to be a jaw dropper!! If the client prefers a larger primary suite, the two top floor bedrooms can be combined in order to make an incredible 7 bedroom home with a large primary suite!!! The home boasts right at 3,200 sq. ft. featuring two living rooms, a very open and bright kitchen/dining/living area, wonderful porches to entertain on and the best backyard and private pool so that you will never want to leave!! These Ocean Views are something that are just good for the soul!!!!! :-) This home will feature hard board siding, LVP floors and custom tiled bathrooms and all designer styled finishes and selections. See the details sheet with the selections regarding cabinets, tile, countertops, faucets, electrical fixtures and the whole works. ''This Is The One'' so act quickly!! This home can easily be lived in as a primary home, a second home or it will crush it as a vacation rental property!!!! This home is being built by one of the premier builders in our area, Fulford Construction Group!!! The best of all worlds is here for the taking!! Come see it today or call for additional details.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

10/10
Union ElementaryGrades K-55.3 mi
3/10
Shallotte MiddleGrades 6-85.0 mi
3/10
West Brunswick HighGrades 9-125.9 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Other,Pilings
  • Roof: Other
  • Construction materials: Fiber Cement,Wood Frame

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 8
  • Full bathrooms: 6
  • 1/2 bathrooms: 2

Features

  • High Ceilings,Kitchen Island,Ceiling Fan(s),Reverse Floor Plan

Heating & Cooling

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

Interior Area

  • Total structure area: 3,200
  • Total interior livable area: 3,200 sqft

Property

Details

  • Parcel number: 244nj013
  • Zoning: R-1
  • Special condition: Standard

Features

  • Levels: Two
  • Pool features: In Ground
  • Patio & porch: Deck,Porch,Front Porch,Rear Porch
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Ocean,Water
  • Has water view: Yes
  • Water view: Ocean,Water
  • On waterfront: Yes
  • Waterfront features: Deeded Beach Access,Waterfront,Ocean Front
  • Frontage type: Oceanfront
  • Living area range: 3000 - 3499

Lot

  • Lot size: 7,405 sqft
  • Features: See Remarks,Deeded Beach Access,Deeded Waterfront,Ocean Side
  • Lot size dimensions: 50 x 150

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Gravel,Garage Door Opener,Off Street,On Site,Garage
  • 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 $19,695$236,340
Home Insurance *$1,030$12,360
Property Taxes $1,157$13,884
Electricity $298$3,576
Total$22,180$266,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$760,457/yr
40% on housing$665,400/yr
45% on housing$591,466/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

$1,217This listing

vs Other Active Listings

Avg $/sqft

ZIP 28469$390
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
2026-04-29Listed for sale$3,895,000
2026-03-17Sold$1,675,000
2014-03-21Listing removed$700,000
2013-09-12Price change$700,000
2013-08-02Listed for sale$750,000
2012-12-07Listing removed$749,000
2012-10-13Listed for sale$749,000

New Construction

AgentBaxter Cheek
BrokerageKeller Williams Innovate-OIB Mainland

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