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

2216 S Shore Drive #A & B, Holly Ridge, NC, 28445

10beds
10baths
5,100sqft
$2,390,000
$469price/sqft
$14,243/moest. monthly cost
$569,720/yrincome needed

About This Home

Welcome to 2216 S Shore Drive, Units A & B, a rare oceanfront duplex opportunity in the heart of Surf City. Perfectly positioned along the highly desirable south end of Topsail Island, this income-producing property offers breathtaking, unobstructed Views of the Atlantic Ocean with direct beach access right out your door. Each unit features a bright, open-concept living area designed to maximize coastal views with large windows that flood the space with natural light. Spacious kitchens flow seamlessly into the dining & living areas, creating an ideal setup for entertaining or relaxing after a day on the beach. Each unit offers 5 bedrooms & bathrooms providing comfortable accommodations for guests while maximizing rental potential. Expansive oceanfront decks invite you to enjoy morning sunrises, salty breezes, & the soothing sound of waves year-round. Whether used as a vacation rental investment, second home, or primary residence with additional income, this duplex delivers flexibility & strong earning potential.Located just minutes from local dining, shopping & entertainment yet tucked away enough to enjoy the tranquility of Oceanfront living this property offers the best of both convenience & coastal charm.Don't miss this rare opportunity to own a premier oceanfront property on Topsail Island.Make your private showing appointment today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

7/10
Surf City ElementaryGrades PK-54.2 mi
9/10
Surf City MiddleGrades 6-84.1 mi
8/10
Topsail High SchoolGrades 9-125.8 mi

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Other,Pilings
  • Roof: Architectural Shingle
  • Construction materials: Vinyl Siding,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,Dishwasher,Electric Range
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 10
  • Bathrooms: 10
  • Full bathrooms: 8
  • 1/2 bathrooms: 2

Features

  • Walk-in Closet(s),Elevator,Ceiling Fan(s),Furnished,Pantry,Reverse Floor Plan,Walk-in Shower,Blinds/Shades,Walk-In Closet(s)
  • Flooring: LVT/LVP,Carpet,Ceramic Tile,Hardwood

Heating & Cooling

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

Interior Area

  • Total structure area: 5,100
  • Total interior livable area: 5,100 sqft

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: 42248025430000
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Patio & porch: Deck,Balcony
  • Fencing: None
  • Has view: Yes
  • View description: Ocean
  • Has water view: Yes
  • Water view: Ocean
  • On waterfront: Yes
  • Waterfront features: Ocean Front
  • Frontage type: Oceanfront
  • Living area range: 5000 - 5499

Lot

  • Lot size: 0.28 Acres
  • Features: Ocean Side
  • Lot size dimensions: tbd

Parking

  • Parking features: Underhouse

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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Winter Weather
Inland Flooding
Ice Storm
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Pender 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 $12,085$145,020
Home Insurance *$588$7,056
Property Taxes $1,095$13,140
Electricity $475$5,700
Total$14,243$170,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$488,331/yr
40% on housing$427,290/yr
45% on housing$379,813/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$469This listing

vs Other Active Listings

Avg $/sqft

ZIP 28445$327
Pender County$318

vs Homes Sold Last Month

Median $/sqft

ZIP 28445$235
Pender County$217

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
2026-04-29Listed for sale$2,390,000
2025-09-23Listing removed$2,600,000
2025-06-03Price change$2,600,000
2025-04-07Price change$2,800,000
2025-04-01Listed for sale$3,000,000
2022-09-12Sold$1,870,000
2022-08-01Pending sale$1,850,000
2022-07-28Listed for sale$1,850,000

For Sale by Agent

AgentBethanie A Dudley
BrokerageLewis Realty

Similar Homes