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310 Lightning Bug Lane, Holly Ridge, NC, 28445

4beds
3baths
2,564sqft
$592,000
$231price/sqft
$3,862/moest. monthly cost
$154,480/yrincome needed

About This Home

Located in the gated waterfront community of Summerhouse on Everett Bay, 310 Lightning Bug Lane offers the perfect balance of relaxed elegance, thoughtful design, and everyday functionality--just minutes from Topsail's sandy shores. This impeccably maintained 4-bedroom, 3-bath home features a bright, open floor plan designed for both effortless entertaining and comfortable daily living. From the moment you step inside, you'll notice elevated details like tray ceilings with custom wood accents, upgraded trim, and seamless flow between the main living spaces. At the heart of the home, the gourmet kitchen is both stylish and functional, complete with a gas cooktop and hood, farmhouse sink, and a large island perfect for gathering. Just off the garage, a convenient drop zone and dedicated laundry room help keep everything organized. The primary suite offers a true retreat, featuring a spa-inspired bath with dual vanities, a makeup area, and a beautifully tiled walk-in shower tucked behind a modern barn door. Spacious guest rooms provide comfort for family and visitors, while the versatile fourth bedroom includes a built-in Murphy bed--ideal for hosting or creating a flexible home office space. Step outside to enjoy a private, fully fenced backyard with lush landscaping and a Trex deck--perfect for quiet evenings or weekend gatherings. Additional upgrades like a whole-home generator, water filtration system, and expanded parking pad add convenience, peace of mind, and everyday ease. As a resident of Summerhouse, you'll enjoy resort-style amenities including a clubhouse, pool, day docks, tennis courts, scenic walking trails, and more--all within a secure, gated setting. If you've been waiting for a home that offers both coastal charm and modern comfort, this one delivers.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Dixon ElementaryGrades PK-55.3 mi
7/10
Dixon MiddleGrades 6-84.6 mi
4/10
Dixon HighGrades 9-126.3 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Fiber Cement,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Microwave,Built-In Electric Oven,See Remarks,Refrigerator
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First

Features

  • Master Downstairs,Tray Ceiling(s),Whole-Home Generator,Kitchen Island,Ceiling Fan(s),Pantry,Walk-in Shower,Blinds/Shades,Gas Log
  • Flooring: LVT/LVP,Carpet,Tile
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Floored,Walk-In

Heating & Cooling

  • Heating features: Propane,Electric,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,564
  • Total interior livable area: 2,564 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Sunroom

  • Level: First

Property

Details

  • Parcel number: 762c545
  • Zoning: R-20
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Porch
  • Exterior features: Irrigation System
  • Fencing: Back Yard,Vinyl
  • Has view: Yes
  • View description: See Remarks
  • Waterfront features: Water Access Comm
  • Frontage type: See Remarks
  • Living area range: 2400 - 2599

Lot

  • Lot size: 9,147 sqft
  • Features: Interior Lot,Water Access Comm
  • Lot size dimensions: 147 x 59

Parking

  • Total spaces: 2
  • Parking features: Additional Parking,Garage Door Opener,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Hurricane
    HurricaneVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Hurricane
Winter Weather
Lightning
Strong Wind
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Ice Storm

FEMA Declared Disasters in Onslow 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 $2,993$35,916
Home Insurance *$145$1,740
Property Taxes $486$5,832
Electricity $238$2,865
Total$3,862$46,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,411/yr
40% on housing$115,860/yr
45% on housing$102,986/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 28445$330
Onslow County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 28445$235
Onslow County$173

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
2026-04-21Price change$592,000
2026-02-24Price change$599,000
2026-01-03Price change$610,000
2025-10-04Price change$615,000
2025-08-29Listed for sale$620,000
2022-05-05Sold$453,000
2021-08-12Sold$45,900
2021-03-23Pending sale$45,900
2021-03-03Listed for sale$45,900
2017-04-12Listing removed$29,750
2017-03-14Price change$29,750
2017-03-01Price change$29,500
2017-02-28Listed for sale$28,500
2015-04-28Sold$10,000
2015-03-13Listed for sale$15,900
2006-11-03Sold$110,000

For Sale by Agent

AgentRasa Love
BrokerageRE/MAX Essential

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