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100 Gateway Condos Drive Unit 115, Holly Ridge, NC, 28445

4beds
3baths
1,777sqft
$389,000
$219price/sqft
$2,439/moest. monthly cost
$97,560/yrincome needed

About This Home

Situated in the heart of mainland Surf City, this beautifully upgraded first-floor, corner condo offers the ideal blend of space, comfort, and coastal convenience. Featuring 4 bedrooms and 3 full bathrooms, this thoughtfully designed residence provides both functionality and flexibility for a variety of lifestyles. The open-concept layout creates a seamless flow between the kitchen, dining, and living areas, perfect for entertaining guests or enjoying relaxed everyday living. As a corner unit, abundant natural light enhances the bright and airy feel throughout. Enjoy outdoor living year-round with both a screened-in porch ideal for morning coffee or unwinding in the evenings -- and an additional open-air porch offering even more space to relax and soak in the coastal atmosphere. Residents of this well-maintained community have access to exceptional amenities including a swimming pool, clubhouse, fitness center, playground, and ample parking. Located just minutes from the pristine beaches of Topsail Island, along with local shops and restaurants, this property is well-suited as a primary residence, vacation getaway, or investment opportunity. Low-maintenance living in one of Surf City's most desirable locations.

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
56
BikeBikeable

Schools

7/10
Surf City ElementaryGrades PK-51.1 mi
9/10
Surf City MiddleGrades 6-81.1 mi
8/10
Topsail High SchoolGrades 9-127.8 mi

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Brick Veneer,Vinyl Siding

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Electric Oven,Washer,Refrigerator,Dryer,Dishwasher
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Walk-in Closet(s),High Ceilings,Furnished,Walk-In Closet(s)
  • Flooring: LVT/LVP
  • Attic: None

Heating & Cooling

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

Interior Area

  • Total structure area: 1,777
  • Total interior livable area: 1,777 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 42353777980115
  • Zoning: INCORP
  • Special condition: Standard

Features

  • Levels: One
  • Pool features: None
  • Patio & porch: Patio,Screened
  • Exterior features: None
  • Fencing: None
  • Has view: Yes
  • View description: See Remarks
  • Waterfront features: None
  • Frontage type: See Remarks
  • Living area range: 1600 - 1799

Lot

  • Features: Level

Parking

  • Parking features: 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

  • Hurricane
    HurricaneRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Wildfire
Winter Weather
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 $1,966$23,592
Home Insurance *$95$1,140
Property Taxes $178$2,136
Electricity $200$2,405
Total$2,439$29,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,622/yr
40% on housing$73,170/yr
45% on housing$65,040/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

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 28445$330
Pender County$320

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
2026-02-19Listed for sale$389,000
2025-01-13Sold$387,000
2024-12-13Contingent$399,000
2024-11-26Listed for sale$399,000
2021-07-09Sold$212,500
2021-05-25Pending sale$220,000
2021-05-12Price change$220,000
2021-05-04Price change$235,000
2021-03-09Pending sale$220,000
2021-03-04Listed for sale$220,000
2020-02-04Listing removed$1,800
2020-01-28Price change$1,800
2020-01-25Listed for rent$1,850

For Sale by Agent

AgentChynna Lemaster, Coldwell Banker Sea Coast Advantage
BrokerageColdwell Banker Sea Coast Advantage

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