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145 Spicer Lake Drive, Holly Ridge, NC, 28445

4beds
4baths
2,725sqft
$575,000
$211price/sqft
$3,773/moest. monthly cost
$150,920/yrincome needed

About This Home

Welcome to 145 Spicer Lake Drive in the gated waterfront community of Summerhouse on Everett Bay, a beautiful 4-bedroom, 3.5-bath coastal cottage offering approximately 2,700± square feet of thoughtfully designed living space. Perfectly positioned with a peaceful pond view in the backyard, this home combines comfort, functionality, and coastal lifestyle. Inside, the main living area features 10-foot ceilings and an open-concept layout that creates a bright and spacious feel from the moment you enter. The great room flows seamlessly into the dining area and a well-appointed kitchen featuring granite countertops, ample cabinetry, and space ideal for entertaining family and friends. The first-floor owner's suite is a private retreat with trey ceilings, a large walk-in closet, dual vanities, and a beautifully tiled walk-in shower. A unique and convenient feature is the direct connection from the owner's suite to the laundry room, making everyday living easy. A practical drop zone area adds extra organization for busy households. Upstairs, you'll find three generously sized bedrooms, two full bathrooms, and a spacious bonus/game room, along with plenty of walk-in attic storage. The home has been refreshed with new interior paint and brand-new carpeting, making it move-in ready. This community offers an exceptional coastal lifestyle with resort-style amenities including a clubhouse, fitness center, pool, lakes, walking trails, boat launch, day dock, and direct access to the Intracoastal Waterway. Conveniently located between Wilmington and Jacksonville, the community is just minutes from MARSOC, Stone Bay, Camp Lejeune, and approximately 15-20 minutes to the beautiful beaches of Topsail Island and Surf City. If you're looking for a home that blends coastal charm, modern functionality, and resort-style living, this one deserves a closer look.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

10/10
Coastal ElementaryGrades PK-51.4 mi
7/10
Dixon MiddleGrades 6-84.6 mi
4/10
Dixon HighGrades 9-126.2 mi

Construction

Condition

  • Year built: 2018

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Electric Cooktop,Built-In Microwave,Washer,Refrigerator,Dryer,Disposal,Dishwasher
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bathroom4

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Second

Dining Room

  • Level: First

Features

  • Master Downstairs,Walk-in Closet(s),Tray Ceiling(s),High Ceilings,Kitchen Island,Ceiling Fan(s),Pantry,Walk-in Shower,Blinds/Shades,Gas Log,Walk-In Closet(s)
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Floored

Heating & Cooling

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

Interior Area

  • Total structure area: 2,725
  • Total interior livable area: 2,725 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 762c23
  • Zoning: R-20
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Porch,Rear Porch
  • Exterior features: Irrigation System,Cluster Mailboxes
  • Fencing: Metal/Ornamental
  • Has view: Yes
  • View description: Pond,Water
  • Has water view: Yes
  • Water view: Pond,Water
  • Waterfront features: Water Access Comm,Pond
  • Frontage type: Pond Front
  • Living area range: 2600 - 2799

Lot

  • Lot size: 8,712 sqft
  • Features: Open Lot,Water Access Comm
  • Lot size dimensions: 64 x 145 x 57 x 150

Parking

  • Total spaces: 2
  • Parking features: On Site,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 $2,907$34,884
Home Insurance *$141$1,692
Property Taxes $472$5,664
Electricity $253$3,045
Total$3,773$45,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,360/yr
40% on housing$113,190/yr
45% on housing$100,613/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

$211This 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
2026-04-16Price change$575,000
2026-04-06Price change$595,000
2026-03-06Listed for sale$600,000
2025-05-06Listing removed$599,000
2025-03-31Price change$599,000
2025-03-11Listed for sale$625,000
2024-10-17Listing removed$625,000
2024-08-26Price change$649,000
2024-08-01Listed for sale$675,000
2021-04-05Sold$439,000
2021-01-14Listed for sale$449,500
2018-06-28Sold$360,000
2018-05-26Pending sale$364,000
2018-04-12Listed for sale$364,000
2017-10-20Sold$45,000
2013-06-20Sold$18,000
2006-09-19Sold$150,000

For Sale by Agent

AgentWendy G Thompson
BrokerageREAL Broker LLC

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