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324 N Topsail Dr, Surf City, NC, 28445

2beds
1baths
1,100sqft
$605,000
$550price/sqft
$3,551/moest. monthly cost
$142,040/yrincome needed

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

18
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

7/10
Surf City ElementaryGrades PK-52.9 mi
9/10
Surf City MiddleGrades 6-82.9 mi
8/10
Topsail High SchoolGrades 9-127.4 mi

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

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Winter Weather
Inland Flooding
Ice Storm
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Pender County and North Carolina

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 $3,059$36,708
Home Insurance *$148$1,776
Property Taxes $144$1,728
Electricity $200$2,405
Total$3,551$42,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,748/yr
40% on housing$106,530/yr
45% on housing$94,693/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$550This listing

vs Other Active Listings

Avg $/sqft

ZIP 28445$329
Pender County$319

vs Homes Sold Last Month

Median $/sqft

ZIP 28445$235
Pender County$217

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
2026-06-03Listed for sale$605,000
2026-06-01Listing removed$3,000
2026-05-14Price change$3,000
2026-05-11Listed for rent$3,300
2025-08-12Sold$471,900
2025-07-24Contingent$500,000
2025-07-21Listed for sale$500,000
2025-06-02Pending sale$500,000

For Sale by Owner

AgentProperty Owner

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