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128 Sea Oaks Court, North Topsail Beach, NC, 28460

4beds
4baths
2,052sqft
$855,000
$417price/sqft
$5,530/moest. monthly cost
$221,200/yrincome needed

About This Home

Welcome to coastal living at its finest in this beautifully appointed soundfront new construction townhome, perfectly tucked away at the end of a quiet cul-de-sac in North Topsail Beach. Offering over 2,000 square feet of thoughtfully designed living space, this stunning four-bedroom, four-bath residence blends luxury finishes with an unbeatable location that allows you to enjoy both the Intracoastal Waterway and the Atlantic Ocean. Inside, you'll find a bright, open floor plan featuring luxury LVP flooring, quartz countertops, premium cabinetry and vanities, stainless steel GE appliances (full appliance package including refrigerator, washer, dryer, dishwasher, microwave and stove/oven), gas logs, and a timeless neutral color palette that complements any style. An elevator services every level, making everyday living effortless. The spacious ground-level foyer provides the perfect drop zone for groceries, luggage, or beach gear--simply load the elevator and send everything to the desired floor. A generous ground-level storage area offers ample space for bicycles, fishing equipment, kayaks, and all of your coastal essentials. Three of the four bedrooms feature private balconies overlooking the Atlantic Ocean or Ashe Island--a secluded enclave of homes surrounded by hundreds of acres of pristine marshland--creating a peaceful backdrop where nature and coastal beauty take center stage. The community amenities are equally impressive. With HOA dues of just over $400 annually at the time of listing, residents enjoy access to a private community boat dock, perfect for launching a paddleboard or kaya, off of a long fishing pier. Just across the street, you'll find a public beach access complete with additional parking, making trips to the ocean effortless and fit seamlessly into your daily routine. Whether you're searching for a full-time residence, a relaxing low-maintenance second home, or an exceptional investment opportunity with strong rental potential, this property checks every box. Experience the rare opportunity to enjoy the tranquility of sound-side living while having the beach just steps away--a combination that truly offers the best of Topsail Island at an unbeatable price.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

10/10
Coastal ElementaryGrades K-53.3 mi
7/10
Dixon MiddleGrades 6-84.8 mi
5/10
Dixon HighGrades 9-127.5 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2024

Materials

  • Foundation: Other,Raised,Pilings
  • Roof: Architectural Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

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

Basement

  • Basement: None

Bathroom1

  • Level: Upper

Bathroom2

  • Level: Upper

Bedroom2

  • Level: First

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Master Downstairs,Entrance Foyer,Kitchen Island,Elevator,Ceiling Fan(s),Pantry,Walk-in Shower,Eat-in Kitchen,Gas Log
  • Flooring: LVT/LVP,Tile
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: None

Heating & Cooling

  • Heating features: Fireplace(s),Electric,Heat Pump
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 2,052
  • Total interior livable area: 2,052 sqft

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: Common Area,Accessible Elevator Installed

Details

  • Parcel number: 815a20
  • Zoning: R-5
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Pool features: None
  • Patio & porch: Open,Covered,Deck,See Remarks,Balcony,Front Porch,Rear Porch
  • Exterior features: DP50 Windows,Gas Log
  • Fencing: None
  • Has view: Yes
  • View description: Creek/Stream,ICW,Marsh,Ocean,Sound,Water
  • Has water view: Yes
  • Water view: Creek/Stream,Marsh,Ocean,Sound,Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Salt Marsh,Sound Side,Water Access Comm,Marsh Front,Sound Front
  • Frontage type: Creek,Marsh Front,Sound Front
  • Living area range: 2000 - 2199

Lot

  • Lot size: 871 sqft
  • Features: Cul-De-Sac,Deeded Waterfront,Salt Marsh,Sound Side,Water Access Comm,Creek
  • Lot size dimensions: IRREGULAR

Parking

  • Parking features: Gravel,Concrete

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 $4,323$51,876
Home Insurance *$233$2,796
Property Taxes $774$9,288
Electricity $200$2,405
Total$5,530$66,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$189,600/yr
40% on housing$165,900/yr
45% on housing$147,466/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

$417This listing

vs Other Active Listings

Avg $/sqft

ZIP 28460$305
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
2026-07-17Listed for sale$855,000
2025-12-01Listing removed$879,000
2025-10-24Price change$879,000
2025-07-31Price change$899,000
2025-05-09Listed for sale$949,000
2025-05-01Listing removed$995,000
2025-04-06Price change$995,000
2025-02-15Price change$1,050,000
2025-02-05Price change$1,125,000
2024-05-09Listed for sale$1,175,000

New Construction

AgentJordan Lanier Barkman
BrokerageTeresa Batts Real Estate, LLC

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