




515 N Topsail Drive, Surf City, NC, 28445
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
Schools
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
- 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 | $7,023 | $84,276 |
| Home Insurance * | $341 | $4,092 |
| Property Taxes | $389 | $4,668 |
| Electricity | $212 | $2,553 |
| Total | $7,965 | $95,580 |
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 |
|---|---|---|
| 2026-05-06 | Listed for sale | $1,389,000 |
| 2024-06-03 | Sold | $999,000 |
| 2024-03-30 | Pending sale | $1,015,000 |
| 2024-03-21 | Listed for sale | $1,015,000 |
| 2018-11-19 | Sold | $413,000 |
| 2018-09-20 | Pending sale | $415,000 |
| 2018-08-22 | Listed for sale | $415,000 |
| 2018-08-20 | Pending sale | $415,000 |
| 2018-08-15 | Listed for sale | $415,000 |
| 2008-04-24 | Sold | $360,000 |
