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204 N Boca Bay Lane #B, Holly Ridge, NC, 28445

4beds
4baths
2,584sqft
$869,000
$336price/sqft
$5,245/moest. monthly cost
$209,800/yrincome needed

About This Home

Coastal living meets thoughtful design in this beautifully upgraded 4-bedroom, 4-bath townhome, ideally located just moments from public beach access and everything that Surf City has to offer. Enjoy peaceful marsh views from multiple vantage points and listen to the ocean while sipping your morning coffee or evening beverage on the screened porch. This home has been meticulously cared for and boasts a functional floor plan, enhanced by a private elevator servicing every level. Inside, the home has been improved with durable engineered luxury vinyl plank flooring throughout, along with added insulation in both the walls and attic for increased efficiency. The kitchen is well-appointed with granite countertops a double oven, updated appliances, and a pantry. The living area offers a cozy focal point with a gas log fireplace and a newly installed mantel, while opening seamlessly to the screened porch overlooking the marsh. The primary suite is designed as a private retreat, featuring its own sitting area, a porch with water views, and a spacious bathroom complete with a garden tub and separate shower. Plantation shutters are featured throughout most of the home, and custom barn doors add character in select areas. One of the guest bedrooms has been outfitted as a gorgeous home office with extensive built-in shelving and Ethernet access-ideal for remote work or flexible use. Outdoor spaces are equally impressive, upgraded with low-maintenance Trex decking, tongue-and-groove ceilings, and a convenient outdoor shower equipped with a dog-washing attachment! The sunset views are absolutely stunning. Additional exterior features include a kayak storage rack and ample storage options, including a ground-level closet with shelving and under-stair space. There is mature landscaping with rare plants and an environmentally conscious drainage system that directs water back toward the marsh. Unique details set this property apart, including a decorative walkway between units that has been thoughtfully crafted with Megalodon shark teeth and whale bone. Residents also enjoy access to community amenities including a pool and clubhouse to complete the coastal lifestyle experience. Seller has been approved through insurance for a brand new fortified roof! There is a transferrable termite bond, home water softener, and an active flood insurance policy currently priced at $1,201 annually. For information about our preferred lender and the incentive you may qualify for, please ask your agent to review the agent comments for additional details.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

7/10
Surf City ElementaryGrades PK-53.3 mi
9/10
Surf City MiddleGrades 6-83.3 mi
8/10
Topsail High SchoolGrades 9-129.7 mi

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Other,Pilings
  • Roof: Architectural Shingle
  • Construction materials: Composition,Wood Frame

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Built-In Microwave,Water Softener,Washer,Dryer,Double Oven,Dishwasher,Cooktop

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Level: First

Features

  • Walk-in Closet(s),High Ceilings,Entrance Foyer,Bookcases,Elevator,Ceiling Fan(s),Pantry,Blinds/Shades,Gas Log,Walk-In Closet(s)
  • Flooring: LVT/LVP,Carpet,Tile
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

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

Interior Area

  • Total structure area: 2,584
  • Total interior livable area: 2,584 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: 42455535550000
  • Zoning: INCORP
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Porch,Screened,Balcony,Front Porch,Rear Porch
  • Exterior features: Outdoor Shower
  • Fencing: None
  • Has view: Yes
  • View description: Marsh,Ocean,Sound,Water
  • Has water view: Yes
  • Water view: Marsh,Ocean,Sound,Water
  • On waterfront: Yes
  • Waterfront features: Deeded Water Rights,Waterfront,Salt Marsh,Sound Side,Marsh Front
  • Frontage type: Marsh Front
  • Living area range: 2400 - 2599

Lot

  • Lot size: 7,405 sqft
  • Features: Cul-De-Sac,Deeded Water Rights,Deeded Waterfront,Salt Marsh,Sound Side,Landscaped
  • Lot size dimensions: 38 x 189 x 38 x 190

Parking

  • Parking features: On Site,Paved,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 $4,394$52,728
Home Insurance *$213$2,556
Property Taxes $398$4,776
Electricity $240$2,888
Total$5,245$62,940
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$179,828/yr
40% on housing$157,350/yr
45% on housing$139,866/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

$336This listing

vs Other Active Listings

Avg $/sqft

ZIP 28445$329
Pender County$319

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)

No zestimate history available

Price History

DateEventPrice
2026-04-10Listed for sale$899,000
2026-03-31Listing removed$899,000
2026-03-27Listed for sale$899,000
2026-02-24Listing removed$899,000
2025-09-11Price change$899,000
2025-04-03Listed for sale$935,000
2017-10-19Sold$420,000

For Sale by Agent

AgentTaylor R Reed, Coldwell Banker Sea Coast Advantage-Hampstead
BrokerageColdwell Banker Sea Coast Advantage-Hampstead

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