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515 N Topsail Drive, Surf City, NC, 28445

4beds
3baths
2,285sqft
$1,389,000
$608price/sqft
$7,965/moest. monthly cost
$318,600/yrincome needed

About This Home

Brand New HVAC, Pool Heater, and Modern Design! Over $100k in revenue already booked/executed this year! Discover coastal living at its finest in this elevated 4-bedroom, 3-bathroom 2285 sqft single-family home. Located in the heart of Surf City just a short walk to all the activities, restaurants, and the pristine sands of Topsail Island beaches. The thoughtfully designed layout (with decks off every level) provides ample space for family and guests while delivering stunning ocean views from the living room and front upper deck plus sound views from the back decks. Outdoor living is exceptional with a fully fenced backyard oasis featuring a private inground saltwater swimming pool, fire pit, covered decks/porch, outdoor shower, and a convenient cargo lift. Recent improvements enhance turn-key appeal and value: Brand new HVAC system for year-round comfort and efficiency Newly epoxied garage floors for a clean, durable, professional finish Home was recently power washed for a fresh, polished exterior 2021 interior updates including luxury vinyl plank flooring throughout living areas and berber carpet in select bedrooms Additional highlights include granite countertops in the kitchen, a spacious walk-in pantry, Rinnai tankless water heater, master suite with wet bar, expansive walk-in closet, and updated bathroom featuring a walk-in tile shower. A flexible top-floor guest room includes a built-in Murphy bed and desk--ideal for a home office. An outdoor elevator adds effortless convenience between levels. Surf City offers the perfect blend of relaxed island life and modern convenience. Residents enjoy easy access to the beach, Intracoastal Waterway activities, local dining, shopping, entertainment, and the pier--all within walking distance. The property is served by highly rated Pender County Schools, including Surf City Elementary and Middle, and Topsail High School. Outstanding STR Investment or Second-Home Potential This prime ocean-side location, combined with the private saltwater pool and fire pit (major guest magnets), panoramic water views, multiple decks, cargo lift, and recent mechanical/upkeep improvements, positions the home exceptionally well for short-term rental income or effortless use as a beach second home. These features support premium nightly rates, high occupancy, and strong year-round appeal in Surf City's desirable rental market while keeping maintenance low for personal enjoyment. Whether you're seeking a primary residence, vacation home, or excellent investment property with rental potential, this well-cared-for coastal gem delivers unbeatable proximity to the ocean and island lifestyle. Don't miss this opportunity, schedule your private showing today!

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
64
BikeBikeable

Schools

10/10
6/10
Topsail Middle SchoolGrades 5-88.4 mi
8/10
Topsail High SchoolGrades 9-128.7 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Architectural Shingle
  • Construction materials: Shake Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Mini Refrigerator,Refrigerator,Ice Maker,Disposal,Dishwasher,Electric Range
  • Laundry features: In Hall

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Walk-in Closet(s),Entrance Foyer,Kitchen Island,Ceiling Fan(s),Elevator,Furnished,Pantry,Reverse Floor Plan,Walk-in Shower,Blinds/Shades,Walk-In Closet(s)
  • Flooring: LVT/LVP,Carpet,Tile
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Propane,Fireplace(s),Electric,Forced Air,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,285
  • Total interior livable area: 2,285 sqft

Property

Details

  • Parcel number: 42451122270000
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Pool features: In Ground
  • Patio & porch: Covered,Deck,Patio
  • Exterior features: Outdoor Shower
  • Fencing: Wood
  • Has view: Yes
  • View description: Ocean,Water
  • Has water view: Yes
  • Water view: Ocean,Water
  • Waterfront features: Third Row
  • Frontage type: See Remarks
  • Living area range: 2200 - 2399

Lot

  • Lot size: 5,227 sqft
  • Features: Third Row
  • Lot size dimensions: 50 x 106 x 49 x 106

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Concrete,Paved,Garage6
  • 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

  • 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 $7,023$84,276
Home Insurance *$341$4,092
Property Taxes $389$4,668
Electricity $212$2,553
Total$7,965$95,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$273,085/yr
40% on housing$238,950/yr
45% on housing$212,400/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

$608This listing

vs Other Active Listings

Avg $/sqft

ZIP 28445$325
Pender County$317

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)

No zestimate history available

Price History

DateEventPrice
2026-05-06Listed for sale$1,389,000
2024-06-03Sold$999,000
2024-03-30Pending sale$1,015,000
2024-03-21Listed for sale$1,015,000
2018-11-19Sold$413,000
2018-09-20Pending sale$415,000
2018-08-22Listed for sale$415,000
2018-08-20Pending sale$415,000
2018-08-15Listed for sale$415,000
2008-04-24Sold$360,000

For Sale by Agent

AgentAndrew Davis, REAL Broker LLC
BrokerageREAL Broker LLC

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