Buying in a Coastal Market
What to know before purchasing real estate in Brunswick County’s unique coastal communities
Buying property near the coast is different than buying inland – there are additional factors to consider, but also unique rewards. Whether you’re dreaming of a beachfront cottage, an investment rental, or a quiet inland retreat with easy access to the water, here’s what you need to know about buying in Brunswick County and the surrounding coastal region.
What makes buying coastal real estate different from other areas?
Coastal markets come with their own set of rules – literally and figuratively. Between flood zones, wind zones, building codes, and vacation rental regulations, it’s not always straightforward. But that’s where we come in. Our deep Hyperlocal® knowledge and experience helps you navigate these complexities and find the right fit for your goals – whether that’s a forever home, a second home, or an investment property.
Do I need flood or wind insurance?
The short answer is maybe. Properties in designated flood zones will require flood insurance if you’re financing the purchase. Even if you’re outside a high-risk zone, flood insurance is often still recommended. Wind and hail insurance may also be required or advisable depending on your home’s location and construction. We help you understand what applies to each property and connect you with trusted insurance providers.
How do I know if a property is in a flood zone or special hazard area?
We’ll help you review the latest FEMA flood zone designations and explain what they mean. Some homes may require flood insurance, while others may qualify for lower-cost “preferred risk” policies. Elevation certificates and recent flood map changes can also impact your decision – and we’re here to walk you through all of it.
Should I be concerned about hurricanes or rising sea levels?
Coastal risks are real – but they’re also manageable. Building codes have evolved, infrastructure has improved, and insurance exists to mitigate financial exposure. We don’t sugarcoat risks, but we also don’t let them overshadow the incredible quality of life our coastal communities offer. It’s all about choosing wisely—and we’re here to help you do exactly that.
Are there different lending requirements for coastal properties?
Some coastal homes – especially condos, second homes, or those in higher-risk zones – may have unique financing requirements. Lenders might require additional insurance or restrict loan types. We work closely with local and national lenders familiar with our market to ensure your financing stays on track.
Are there extra maintenance costs to consider?
Salt air, high humidity, and storm potential can impact everything from HVAC systems to paint to roofing. Coastal homes often require more frequent upkeep, and it’s worth budgeting for regular maintenance or service contracts. We help you understand what to expect based on property age, condition, and location.
Can I build or renovate on a coastal lot?
Possibly – but expect more red tape. Coastal construction is regulated by the NC Coastal Area Management Act (CAMA), and permits are often required for even minor projects near the shoreline, wetlands, or navigable waters. We’ll help coordinate with surveyors, builders, and permit offices to make sure your plans are realistic and compliant.
What about buying in a planned community or HOA?
Many coastal homes are part of planned communities or neighborhoods with homeowners associations. These can offer valuable amenities – like pools, beach access, and lawn care – but they also come with dues and rules. We review HOA documents with you and make sure there are no surprises.
Can I use the home as a vacation rental?
Possibly – depending on the town, neighborhood, and HOA (if applicable). Some areas in Brunswick County, like Oak Island or Ocean Isle Beach, are more short-term-rental friendly. Others have restrictions on rental length, occupancy, or even outright bans. We’ll verify the current regulations and help you determine if a property aligns with your rental goals, as well as provide a rental revenue estimate.
What kind of return can I expect from a short-term rental?
It depends on the home, location, seasonality, and how it’s marketed and managed. Brunswick County has strong vacation rental demand, particularly in beach towns like Oak Island, Holden Beach, and Ocean Isle. We’ll provide rental projections, help you understand occupancy trends, and connect you with PROACTIVE Vacations to help you with your decision.
How do I know I’m making a smart investment?
Coastal properties can be both lifestyle-enhancing and financially smart – but only with the right guidance. We provide Hyperlocal® market insights, rental income potential (if applicable), resale considerations, and long-term value trends to help you make a well-informed decision.
What’s the best way to get started?
Start with a conversation. Whether you’re ready to buy now or just beginning to explore your options, we’re here to help you understand what’s possible, what’s smart, and what’s right for you. The coast may be different – but with the right guidance, it can be one of the best decisions you ever make.