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

1103 Ocean Drive #E & W, Emerald Isle, NC, 28594

6beds
4baths
2,090sqft
$1,900,000
$909price/sqft
$10,758/moest. monthly cost
$430,320/yrincome needed

About This Home

Come see 1103 Ocean DR E & W.. an inviting OCEANFRONT duplex offering breathtaking views and strong rental performance. Each side features 3 bedrooms and 2 full bathrooms, providing plenty of space for family and guests to relax and enjoy the beach. The property features recent interior and exterior updates, blending coastal charm with modern comfort. Step out onto the oceanfront decks to take in the sights and sounds of the Atlantic, or take advantage of direct beach access just steps from your door. Whether you're seeking an investment opportunity or a place to create lifelong memories by the sea, 1103 Ocean Drive offers the perfect combination of comfort, convenience, and coastal appeal. Documents were obtained from the Register of Deeds and GIS websites; however, these files may not include all records related to this property.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

10/10
White Oak ElementaryGrades PK-57.5 mi
7/10
8/10
Croatan High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 1974

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Furnished,Blinds/Shades
  • Flooring: LVT/LVP
  • Fireplace features: None
  • Attic: None

Heating & Cooling

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

Interior Area

  • Total structure area: 2,090
  • Total interior livable area: 2,090 sqft

Master Bedroom

  • Level: Primary Living Area

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 632414245826000
  • Zoning: residential
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Open,Covered,Deck,Porch
  • Exterior features: Outdoor Shower
  • Fencing: None
  • Has view: Yes
  • View description: Ocean
  • Has water view: Yes
  • Water view: Ocean
  • On waterfront: Yes
  • Waterfront features: Waterfront,Ocean Front
  • Frontage type: Oceanfront
  • Living area range: 2000 - 2199

Lot

  • Lot size: 0.26 Acres
  • Features: Open Lot,Dunes,Deeded Waterfront
  • Lot size dimensions: 75 x 150

Parking

  • Parking features: Covered,Gravel,Off Street,On Site

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

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Winter Weather
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters in Carteret 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 $9,607$115,284
Home Insurance *$255$3,060
Property Taxes $696$8,352
Electricity $200$2,405
Total$10,758$129,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$368,845/yr
40% on housing$322,740/yr
45% on housing$286,880/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$909This listing

vs Other Active Listings

Avg $/sqft

ZIP 28594$559
Carteret County$287

vs Homes Sold Last Month

Median $/sqft

ZIP 28594$538
Carteret County$252

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
2025-10-31Listed for sale$1,800,000
2024-05-14Sold$1,278,000
2024-02-24Pending sale$1,650,000
2024-02-15Price change$1,650,000
2024-01-07Listed for sale$1,700,000
2021-05-04Sold$950,000
2021-03-30Pending sale$950,000
2021-03-27Listed for sale$950,000

For Sale by Agent

AgentJ. (John) Vann Parker
BrokerageCENTURY 21 Coastland Realty

Similar Homes