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5431 Cardinal Road SW, Ocean Isle Beach, NC, 28469

3beds
2baths
934sqft
$185,000
$198price/sqft
$1,274/moest. monthly cost
$50,960/yrincome needed

About This Home

Shangrila residents enjoy direct access to the Intracoastal Waterway with a private boat ramp and fishing pier. You will be ready to embrace the coastal lifestyle every day. Your gateway to laid-back waterfront community living. Fun fact: It has an apple tree in the front of the property. How cool is that! Don't miss this opportunity to own a slice of coastal paradise! This beautifully renovated 3-bedroom, 2-bathroom home is the perfect combination of comfort, convenience and outdoor living. Features You'll Love: -Fully renovated and move-in ready -Spacious 3-bedroom, 2-bath room -Large backyard with plenty of room for entertaining, pets, or family activities -Convenient location just minutes from shopping, restaurants and everyday amenities -Short drive to the beautiful Brunswick County beaches -Whether you're looking for a primary residence or an investment property, this home checks all the boxes. Enjoy coastal living with the convenience of town just minutes away. Don't miss this opportunity - 5431 Cardinal Rd, could be the home you've been waiting for!

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

9/10
Union ElementaryGrades K-54.2 mi
4/10
Shallotte MiddleGrades 6-84.1 mi
4/10
West Brunswick HighGrades 9-124.8 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Brick/Mortar
  • Roof: Shingle
  • Construction materials: Brick,Wood Frame

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Bathroom1

  • Level: Main

Bathroom2

  • Level: Main

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s)

Heating & Cooling

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

Interior Area

  • Total structure area: 934
  • Total interior livable area: 934 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 244bc014
  • Zoning: Co-R-6000
  • Special condition: Standard

Features

  • Levels: One
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: None
  • Fencing: None
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 800 - 999

Lot

  • Lot size: 0.25 Acres
  • Features: Open Lot
  • Lot size dimensions: 90 x 120

Parking

  • Parking features: Unpaved

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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Winter Weather
Coastal Flooding
Ice Storm
Strong Wind
Tornado
Wildfire
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 $935$11,220
Home Insurance *$48$576
Property Taxes $91$1,092
Electricity $200$2,405
Total$1,274$15,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,680/yr
40% on housing$38,220/yr
45% on housing$33,973/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

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 28469$408
Brunswick County$271

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
2026-07-30Price change$185,000
2026-07-23Listed for sale$190,000
2026-07-14Pending sale$190,000
2026-07-02Listed for sale$190,000
2026-03-18Sold$60,000

For Sale by Agent

AgentCraig Tribus
BrokerageBeycome Brokerage Realty LLC

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