




324 N Topsail Dr, Surf City, NC, 28445
About This Home
Coastal Cottage in the Heart of Surf City The Best of Both Worlds – Residential Charm with Commercial Potential Welcome to your perfect coastal retreat in the heart of Surf City, where opportunity and lifestyle come together. Whether you're searching for a charming beach cottage, a vacation getaway, an investment property, or a unique commercial space, this versatile property offers endless possibilities. Park the car and leave it behind—everything you love about island living is just a short stroll away. Enjoy easy access to local restaurants, boutique shopping, coffee shops, nightlife, entertainment, and, of course, the pristine sandy beaches of Surf City. This highly desirable location places you in the center of it all while maintaining the relaxed charm that makes coastal living so special. From the moment you arrive, you'll appreciate the inviting cottage-style exterior, welcoming porches, durable metal roof, and low-maintenance landscaping designed for carefree coastal living. The spacious lot offers room to relax, entertain, or create an inviting outdoor space for clients and guests if utilized commercially. Inside, the property has been thoughtfully renovated with luxury, comfort, and durability in mind. The bright, open-concept floor plan is filled with natural light and showcases beautiful luxury vinyl plank flooring throughout, creating a stylish and low-maintenance environment. Fresh neutral paint, updated lighting, and oversized windows enhance the airy coastal feel while providing a versatile backdrop for residential or business use. The spacious main living areas flow effortlessly together, offering flexibility for a variety of layouts and uses. The updated kitchen features modern cabinetry, stainless steel appliances, ample workspace, and functional design, while the beautifully renovated bathrooms showcase contemporary fixtures and timeless finishes. Multiple rooms provide flexibility for bedrooms, office space, meeting rooms, retail displays, or creative workspaces. Every detail has been carefully considered to create a property that is as practical as it is beautiful. With quality craftsmanship, modern upgrades, exceptional visibility, and an unbeatable location, this Surf City cottage presents a rare opportunity to own a property that can serve as a personal retreat, income-producing investment, or commercial venture. Walk to the beach. Walk to dinner. Walk to coffee. Walk to entertainment. Work, live, invest, or escape—all from one incredible Surf City location. This is coastal living at its finest.
Getting Around
Schools
Construction
Condition
- Year built: 1958
Materials
- Foundation: Piers
- Roof: Shake / Shingle
- Construction materials: Metal
Type & Style
- Home type: SingleFamily
- Architectural style: Conventional
Interior
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
Heating & Cooling
- Heating features: Other
- Cooling features: Central
Interior Area
- Total interior livable area: 1,100 sqft
Property
Details
- Parcel number: 42450013230000
Features
- Exterior features: Other
Lot
- Lot size: 3,659 sqft
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 | $3,059 | $36,708 |
| Home Insurance * | $148 | $1,776 |
| Property Taxes | $144 | $1,728 |
| Electricity | $200 | $2,405 |
| Total | $3,551 | $42,612 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-03 | Listed for sale | $605,000 |
| 2026-06-01 | Listing removed | $3,000 |
| 2026-05-14 | Price change | $3,000 |
| 2026-05-11 | Listed for rent | $3,300 |
| 2025-08-12 | Sold | $471,900 |
| 2025-07-24 | Contingent | $500,000 |
| 2025-07-21 | Listed for sale | $500,000 |
| 2025-06-02 | Pending sale | $500,000 |
