203 Empie Avenue, Holly Ridge, NC, 28445
About This Home
This charming S. Topsail Island beach cottage was built in 1965 and has been lovingly owned by the current owner since 1994. Located in popular S. Topsail Island the home is a 2 minute walk from a public beach and sound access. The home features a large new deck in the back, nice front porch with sound views, outdoor shower and 2 under house garages which are perfect for ping pong tables and garage parties. Topsail Island offers a variety of activities from relaxing on the beach, exploring local attractions, enjoying watersports and dining in local restaurants. This home is perfect for a weekend getaway and a vacation rental. Rental history available upon request.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1965
Materials
- Foundation: Other,Pilings
- Roof: Shingle
- Construction materials: Fiber Cement,Wood Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Refrigerator
- Laundry features: Laundry Closet,Laundry Room
Basement
- Basement: None
Bedroom1
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Blinds/Shades
- Flooring: Carpet,Vinyl,Wood
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Central Air
Interior Area
- Total structure area: 894
- Total interior livable area: 894 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
Master Bedroom
- Level: Main
Property
Details
- Parcel number: 42125920280000
- Zoning: R-4
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Porch
- Exterior features: Outdoor Shower
- Fencing: None
- Has view: Yes
- View description: Sound
- Has water view: Yes
- Water view: Sound
- Waterfront features: Water Access Comm
- Frontage type: See Remarks
- Living area range: 800 - 999
Lot
- Lot size: 10,454 sqft
- Features: Water Access Comm
- Lot size dimensions: 75 x 140 x 74 x 141
Parking
- Total spaces: 6
- Parking features: Concrete,Off Street
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
- Uncovered spaces: 4
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
- Hurricane
- Lightning
- Winter Weather
- Inland Flooding
- Ice Storm
- Tornado
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pender County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,185 | $38,220 |
| Home Insurance * | $154 | $1,848 |
| Property Taxes | $189 | $2,268 |
| Electricity | $200 | $2,405 |
| Total | $3,728 | $44,736 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-04 | Price change | $630,000 |
| 2025-07-17 | Listed for sale | $659,000 |
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