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826 Villas Dr, North Topsail Beach, NC, 28460

5beds
5baths
2,741sqft
$884,000
$323price/sqft
$5,765/moest. monthly cost
$230,600/yrincome needed

About This Home

Ocean views from multiple decks • Private beach access (90 steps) • Elevator • Hot tub • Community pool • Fully furnished • Sleeps 15 • 6-car parking • Turnkey coastal investment Just 90 steps from the front door, enjoy beach access where you can watch the waves, fish, or search for shells and shark teeth along the shoreline. Residents and guests also enjoy access to the oceanfront community pool. The kitchen features granite countertops, stainless steel appliances, and a spacious layout that flows seamlessly into the dining and living areas, with direct access to an ocean-facing deck complete with a private hot tub. All perfect for unwinding while taking in the views. Outdoor living is a standout feature, with three levels of ocean-facing decks and additional sound-side decks, offering sunrise and sunset views from multiple vantage points. The home comfortably accommodates large groups, sleeping up to 15, with five generously sized bedrooms, including two private king suites with en-suite baths and ocean-view balconies. A thoughtful floor plan provides the ideal balance of gathering space and privacy across all levels.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

5/10
Dixon ElementaryGrades PK-54.7 mi
7/10
Dixon MiddleGrades 6-83.5 mi
4/10
Dixon HighGrades 9-127.3 mi

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Composition
  • Construction materials: Other

Type & Style

  • Home type: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Reverse Floor Plan,Ceiling Fan(s),Furnished,Elevator,Pantry,9Ft+ Ceilings,Blinds/Shades,Ceiling - Trey,Walk-in Shower,Hot Tub,Solid Surface
  • Flooring: Carpet,Hardwood
  • Attic: Access Only

Heating & Cooling

  • Heating features: Heat pump,Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,741 sqft

Property

Details

  • Parcel number: 064805

Features

  • Exterior features: Vinyl
  • Has spa: Yes
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 871 sqft

Parking

  • Total spaces: 6
  • Parking features: Garage - Attached,Off-street

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
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Winter Weather
Lightning
Strong Wind
Tornado
Tsunami

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 $4,469$53,628
Home Insurance *$241$2,892
Property Taxes $800$9,600
Electricity $255$3,063
Total$5,765$69,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$197,657/yr
40% on housing$172,950/yr
45% on housing$153,733/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

$323This listing

vs Other Active Listings

Avg $/sqft

ZIP 28460$306
Onslow County$207

vs Homes Sold Last Month

Median $/sqft

ZIP 28460$202
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
2026-04-27Listed for sale$884,000
2020-08-19Sold$565,000
2020-07-02Pending sale$574,000
2020-06-18Price change$574,000
2020-02-07Price change$549,000
2019-07-18Listed for sale$535,000

For Sale by Owner

AgentProperty Owner

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