106 N Oak Drive, Surf City, NC, 28445
About This Home
Welcome to Island Oaks, one of Topsail Island's most coveted neighborhoods, where coastal living truly lives up to its name. Located third row from the beach, and tucked within the Live Oaks this stunning beach house offers a large living space, sweeping ocean and sound views that steal the show--sunrises, sunsets, and salty breezes included. Perfectly positioned in a private, oak-lined community, owners enjoy direct water access with a neighborhood boat ramp, making days on the Intracoastal just as effortless as mornings on the beach. Whether you're boating, paddleboarding, or casting a line, this location is a dream for water lovers. The home features amazing decks on every level, providing multiple outdoor spaces to relax, entertain, and fully embrace island life from sunrise coffee to sunset cocktails. Adding exceptional versatility, the property includes separate ground-floor living quarters complete with a full bath and kitchen--ideal for guests, extended family, or private overflow space. Peaceful, private, and rich in coastal charm, this property offers the rare blend of natural beauty, exclusive amenities, and true Topsail Island lifestyle. A special opportunity to own in Island Oaks--where timeless oaks, tranquil waters, and unforgettable views come together. Professional Photos and Floor Plan coming.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2020
Materials
- Foundation: Other,Pilings
- Roof: Shingle
- Construction materials: Fiber Cement,Wood Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven,Refrigerator,Dryer,Dishwasher
- Laundry features: Laundry Closet
Bedroom1
- Level: First
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedroom5
- Level: Third
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 5
- Full bathrooms: 3
- 1/2 bathrooms: 2
Dining Room
- Level: First
Features
- Walk-in Closet(s),Vaulted Ceiling(s),Entrance Foyer,2nd Kitchen,Apt/Suite,Ceiling Fan(s),Walk-in Shower,Blinds/Shades,Walk-In Closet(s)
- Flooring: LVT/LVP,Carpet,Tile
Heating & Cooling
- Heating features: Electric,Zoned
- Cooling features: Zoned
Interior Area
- Total structure area: 2,887
- Total interior livable area: 2,887 sqft
Kitchen
- Level: Ground
Kitchen
- Level: First
Laundry
- Level: First
Laundry
- Level: Second
Living Room
- Level: First
Master Bedroom
- Level: Second
Other
- Level: Ground
Property
Details
- Parcel number: 42249283240000
- Zoning: INCORP
- Special condition: Standard
Features
- Levels: Three Or More
- Patio & porch: Open,Covered,Deck,Porch,Front Porch,Rear Porch
- Exterior features: Outdoor Shower
- Fencing: None
- Has view: Yes
- View description: ICW,Marsh,Ocean,Sound,Water
- Has water view: Yes
- Water view: Marsh,Ocean,Sound,Water
- Waterfront features: Boat Ramp,Deeded Beach Access,Deeded Water Access,Third Row,Water Access Comm
- Frontage type: See Remarks
- Living area range: 2800 - 2999
Lot
- Lot size: 6,534 sqft
- Features: Wooded,Boat Ramp,Deeded Beach Access,Deeded Water Access,Third Row,Water Access Comm
- Lot size dimensions: 50 x 130
Parking
- Parking features: Attached
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
- Hurricane
- Lightning
- Winter Weather
- Inland Flooding
- Ice Storm
- Tornado
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pender County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $6,194 | $74,328 |
| Home Insurance * | $301 | $3,612 |
| Property Taxes | $862 | $10,344 |
| Electricity | $268 | $3,226 |
| Total | $7,625 | $91,500 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-18 | Listed for sale | $1,225,000 |
| 2025-04-10 | Listing removed | $3,000 |
| 2025-02-05 | Listed for rent | $3,000 |
| 2024-09-30 | Listing removed | $3,000 |
| 2024-08-27 | Listed for rent | $3,000 |
| 2019-01-08 | Sold | $120,000 |
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