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

162 NW 13th Street, Oak Island, NC, 28465

5beds
3baths
2,458sqft
$819,900
$334price/sqft
$4,881/moest. monthly cost
$195,240/yrincome needed

About This Home

BRAND NEW WITH WATERWAY VIEWS!!! This thoughtfully designed 5-bedroom, 3-bath home offers 2,458 square feet of living space and is built on pilings, providing ample parking and a large storage area underneath that could easily be converted to additional living space if desired. The builder strategically positioned the home, resulting in a LOMA that amends the flood zone to Shaded X; flood insurance is typically not required by mortgage lenders (buyer to verify). Enjoy waterway views from the front porch, finished with durable Trex decking and modern cable railings. All this and still room in the backyard for a future pool. Inside, the home features custom cabinetry, tile backsplash, stainless steel appliances, and includes a washer and dryer for added convenience. When you step into the living room, you are greeted by an electric fireplace with a gorgeous shiplap accent wall, creating a warm and inviting focal point. The main level offers four bedrooms and two full bathrooms, while the upstairs includes an additional bedroom, a full bathroom, and a bonus space ideal for a home office or playroom. Two bathrooms feature tiled showers, while the third includes a tub with a tile surround. Exterior finishes include classic white vinyl siding accented by black gutters and cedar shake details, adding coastal charm and curb appeal. Built by Silvers Home Ventures, this home combines quality construction with a functional layout in a desirable Oak Island location.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Southport ElementaryGrades K-58.1 mi
3/10
South Brunswick MiddleGrades 6-89.1 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Microwave,Refrigerator,Dishwasher,Electric Range
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Master Downstairs,Walk-in Closet(s),High Ceilings,Kitchen Island,Walk-in Shower,Walk-In Closet(s)
  • Flooring: LVT/LVP,Tile
  • Attic: Access Only

Heating & Cooling

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

Interior Area

  • Total structure area: 2,458
  • Total interior livable area: 2,458 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 234ff026
  • Zoning: Ok-R-6
  • Special condition: Standard

Features

  • Levels: Two
  • Pool features: None
  • Patio & porch: Open
  • Exterior features: None
  • Fencing: None
  • Has view: Yes
  • View description: ICW,Water
  • Water view: Water
  • Waterfront features: None
  • Frontage type: See Remarks
  • Living area range: 2400 - 2599

Lot

  • Lot size: 6,534 sqft
  • Lot size dimensions: 55 x 119

Parking

  • Parking features: Gravel,Concrete,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

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

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Inland Flooding
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters in Brunswick County and North Carolina

Fire
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 $4,145$49,740
Home Insurance *$153$1,836
Property Taxes $355$4,260
Electricity $228$2,747
Total$4,881$58,572
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$167,348/yr
40% on housing$146,430/yr
45% on housing$130,160/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$334This listing

vs Other Active Listings

Avg $/sqft

ZIP 28465$403
Brunswick County$271

vs Homes Sold Last Month

Median $/sqft

ZIP 28465$442
Brunswick County$205

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
2026-05-04Price change$819,900
2026-03-24Price change$849,900
2026-01-15Listed for sale$895,000
2025-02-21Sold$213,000
2025-02-02Contingent$217,000
2024-11-21Listed for sale$217,000
2019-07-16Sold$75,000

New Construction

AgentThe Shoreline Group
BrokerageCoastal Lights Realty

Similar Homes