See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

262 Spicer Lake Drive, Holly Ridge, NC, 28445

3beds
3baths
3,285sqft
$879,000
$268price/sqft
$5,625/moest. monthly cost
$225,000/yrincome needed

About This Home

Welcome to 262 Spicer Lake, an exceptional waterfront residence in the highly sought-after Summerhouse on Everett Bay. Perfectly positioned to capture panoramic views of both Spicer Lake and Moss Lake, this thoughtfully designed three-level home combines refined finishes, expansive living spaces, and an elevated setting that is seldom available within the community. From both the front and rear porches, the home embraces its peaceful surroundings, creating a seamless connection between its beautifully designed interior and the coastal landscape beyond. Spanning approximately 3,200 square feet, every detail has been carefully considered to balance luxury with everyday livability. A dramatic 26-foot foyer, anchored by a stunning crystal chandelier, welcomes you inside, while coffered ceilings, expansive living spaces, beautiful built-in cabinetry, and a thoughtfully designed floor plan create an inviting atmosphere throughout. At the center of the home, the chef's kitchen features custom cabinetry, a large waterfall island with premium Dekton countertops by Cosentino, a pot filler, and finishes that combine exceptional durability with an elevated style. The private primary suite serves as a peaceful retreat, offering sweeping lake views, a spa-inspired bath with a soaking tub, and an oversized walk-in closet. Designed for both everyday comfort and effortless entertaining, the home also features a private elevator, dedicated media room, whole-home generator, water softener, and an outdoor shower. Beyond the home, Summerhouse on Everett Bay offers a resort-inspired coastal lifestyle. Residents enjoy an impressive clubhouse, a resort-style pool, fitness center, pickleball and tennis courts, a playground, and miles of scenic walking trails woven throughout the community. For those who love life on the water, Summerhouse also offers boat storage, a private boat launch, day docks, and direct access to the Intracoastal Waterway. Located just minutes from the beaches of Topsail Island and conveniently situated between Wilmington and Jacksonville, this home offers the perfect balance of coastal tranquility and everyday convenience. Whether you're enjoying your morning coffee overlooking Spicer Lake, entertaining family and friends from one of the home's expansive porches, or spending the day on the water, 262 Spicer Lake offers an exceptional opportunity to experience one of Eastern North Carolina's premier coastal communities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

10/10
Coastal ElementaryGrades K-51.9 mi
7/10
Dixon MiddleGrades 6-85.0 mi
5/10
Dixon HighGrades 9-126.7 mi

Construction

Condition

  • Year built: 2017

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

Basement

  • Basement: None

Bedroom2

  • Level: Third

Bedroom3

  • Level: Third

Bedrooms & Bathrooms

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

Den

  • Level: First

Dining Room

  • Level: Second

Family Room

  • Level: First

Features

  • Walk-in Closet(s),High Ceilings,Solid Surface,Whole-Home Generator,Bookcases,Kitchen Island,Elevator,Ceiling Fan(s),Walk-in Shower,Blinds/Shades,Gas Log,Walk-In Closet(s)
  • Flooring: LVT/LVP,Carpet,Tile
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Floored,Walk-In

Heating & Cooling

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

Interior Area

  • Total structure area: 3,285
  • Total interior livable area: 3,285 sqft

Kitchen

  • Level: Second

Laundry

  • Level: Second

Living Room

  • Level: Second

Master Bedroom

  • Level: Second

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: 762c303
  • Zoning: R-20
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: Three Or More
  • Pool features: None
  • Patio & porch: Covered,Deck,Porch,Screened,Front Porch,Rear Porch
  • Exterior features: Irrigation System,Cluster Mailboxes,DP50 Windows
  • Fencing: Metal/Ornamental,Back Yard
  • Has view: Yes
  • View description: Water
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Water Access Comm,Lake Front
  • Frontage type: Lakefront
  • Living area range: 3000 - 3499

Lot

  • Lot size: 6,970 sqft
  • Features: Level,Water Access Comm
  • Lot size dimensions: 53 x 153 x 40 x 152

Parking

  • Total spaces: 3
  • Parking features: Paved
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $4,444$53,328
Home Insurance *$216$2,592
Property Taxes $660$7,920
Electricity $305$3,671
Total$5,625$67,500
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$192,857/yr
40% on housing$168,750/yr
45% on housing$150,000/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

$268This listing

vs Other Active Listings

Avg $/sqft

ZIP 28445$329
Onslow County$207

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
2026-08-07Listed for sale$879,000
2017-03-29Sold$357,000

For Sale by Agent

AgentNancy Conti
BrokerageSERHANT

Similar Homes