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104 Summer Winds Place #104, Holly Ridge, NC, 28445

3beds
4baths
1,680sqft
$605,000
$360price/sqft
$3,729/moest. monthly cost
$149,160/yrincome needed

About This Home

Welcome to ''Tranquil Sunrise,'' a beautifully remodeled townhome in the highly sought-after Summer Winds community, perfectly positioned in the heart of Surf City. This spacious 3-bedroom, 3.5-bath home also features a large loft, offering flexible sleeping space and comfortably accommodating family and guests. Recent updates include fresh interior paint, new furnishings, updated flooring, and a refreshed kitchen, creating a move-in-ready coastal retreat with modern appeal. The open-concept kitchen, dining, and living area is ideal for entertaining and everyday living, featuring granite countertops, ample cabinet space, and two pantry closets. The main living level includes a king bedroom with a private en-suite bath, plus a convenient half bath nearby. Upstairs, a generous loft with two queen beds offers additional living or sleeping space and enjoys peaceful views. The lower level features a queen bedroom, a bunk room, and a casual hangout or media area perfect for movie nights or gaming. Each bedroom has access to its own private bathroom, providing comfort and privacy throughout the home. Outdoor living is just as inviting, with a wraparound deck offering plenty of seating and scenic views. Durable exterior finishes include Trex-style decking, vinyl railings, and cedar shake-style siding for low-maintenance coastal living. Residents enjoy private beach access with zero-entry convenience, a community pool, and an adjacent town park with green space for outdoor enjoyment. Located just minutes from Surf City's pier, soundside park, local shops, and popular restaurants, this property is ideal as a primary residence, second home, or investment opportunity. Tranquil Sunrise offers the perfect blend of space, updates, amenities, and location in one of Surf City's most desirable communities.

Getting Around

23
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

10/10
Coastal ElementaryGrades PK-55.3 mi
7/10
Dixon MiddleGrades 6-88.4 mi
4/10
Dixon HighGrades 9-1210.1 mi

Construction

Condition

  • Year built: 2004

Materials

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

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Washer,Refrigerator,Range,Dryer,Disposal,Dishwasher
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Vaulted Ceiling(s),Solid Surface,Ceiling Fan(s),Furnished,Pantry,Reverse Floor Plan,Blinds/Shades
  • Window features: Thermal Windows
  • Flooring: LVT/LVP,Carpet
  • Attic: None

Heating & Cooling

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

Interior Area

  • Total structure area: 1,680
  • Total interior livable area: 1,680 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 801a8
  • Zoning: C-1
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Patio & porch: Deck
  • Exterior features: Outdoor Shower
  • Fencing: None
  • Has view: Yes
  • View description: Ocean,Water
  • Has water view: Yes
  • Water view: Ocean,Water
  • Waterfront features: Deeded Beach Access
  • Frontage type: See Remarks
  • Living area range: 1600 - 1799

Lot

  • Lot size: 871.20 sqft
  • Features: Deeded Beach Access
  • Lot size dimensions: 20 x 40

Parking

  • Parking features: Assigned,On Site,Paved

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 $3,059$36,708
Home Insurance *$148$1,776
Property Taxes $322$3,864
Electricity $200$2,405
Total$3,729$44,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,851/yr
40% on housing$111,870/yr
45% on housing$99,440/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

$360This 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
2026-04-19Price change$619,000
2026-03-24Price change$639,000
2025-12-24Listed for sale$659,000
2021-06-25Sold$445,000
2021-05-15Pending sale$445,000
2021-05-03Listed for sale$445,000

For Sale by Agent

AgentBetsy Powell
BrokerageSol Searching Properties and Investments LLC

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