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See also the North Carolina Condominium Act (NCGS § 47C).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Public record · FHA condo approval records
Very High composite risk for this neighborhood area · 99th percentile of NC neighborhood areas
30 federal disaster declarations for this county, including 23 hurricanes, most recent Jan 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · MOREHEAD CITY, TOWN OF
CRS class 5: community flood-mitigation rating, 1 is the strongest discount
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Approximate footprint of the primary building at this location (single-point match), not the full complex. A rough starting point for roofing and reserve estimates; add a slope factor for pitched roofs.
Mapped building outlines · Overture Maps
Annual change in ZIP 28557
2020 +2.3% · 2021 +14.1% · 2022 +19.4% · 2023 +14.1% · 2024 -0.5% · 2025 +8.6%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
13% of nearby housing sits in 5+ unit buildings, most of it built in the 2000s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
Most recent significant event in Carteret County: Flash flood, Sep 17, 2024.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Carteret County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 28557 · 2022
Average premium changed +16.9% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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Cross-referenced public records
On file as OAK BLUFFAT AT BRANDYWINE BAY
Principal address · Legal name · Type
Filed as shown; displayed as Oak Bluffat at Brandywine Bay
Geocoded from the address on file
Map location
Geocoded 2026-06-06
Public record
1 linked public record
Names are shown in title case for readability. The string above is the name on file, unchanged.
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