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504 Creek Drive, Hampstead, NC, 28443

3beds
3baths
1,837sqft
$685,000
$373price/sqft
$4,075/moest. monthly cost
$163,000/yrincome needed

About This Home

Welcome to 504 Creek Drive -- now offered at a NEW PRICE! Opportunities to own newer construction on the creek in Hampstead are limited, and this beautifully crafted 2022 custom home by local builder Channel Marker Builders offers the perfect blend of coastal charm, quality craftsmanship. Nestled along peaceful Becky's Creek just minutes from Topsail Island, this thoughtfully designed home features an open, light-filled floor plan with luxury vinyl plank flooring throughout (no carpet!), granite countertops, stainless farmhouse sink, tile backsplash, and a large kitchen island ideal for entertaining. The main-level primary suite offers a spacious walk-in tile shower and convenient laundry access directly through the primary closet. Upstairs, you'll find a bright loft area along with two guest bedrooms connected by a full bath -- perfect for family and visitors alike. Step outside to your screened porch overlooking the marsh and creek, where coastal wildlife and breathtaking sunsets create the perfect backdrop for relaxing evenings. The oversized lot provides privacy, ample parking and storage space, and a natural coastal setting rarely found this close to the water. Residents enjoy access to a private community boat ramp with direct access to Becky's Creek and the Intracoastal Waterway -- perfect for kayaking, paddleboarding, or small boating adventures. Located just minutes from Surf City's beaches, restaurants, and shopping, you can even take your golf cart to the island! With county-only taxes, no HOA, and a prime creekfront setting, this like-new coastal retreat is ideal as a primary residence, vacation home, or investment property. Don't miss this rare opportunity to own a custom-built creekfront home in one of Hampstead's most desirable coastal locations. Schedule your private showing today!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

10/10
6/10
Topsail Middle SchoolGrades 5-86.6 mi
8/10
Topsail High SchoolGrades 9-126.9 mi

Construction

Condition

  • Year built: 2022

Materials

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

Type & Style

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

Interior

Appliances

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

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Walk-in Closet(s),High Ceilings,Mud Room,Kitchen Island,Ceiling Fan(s),Furnished,Pantry,Walk-in Shower,Walk-In Closet(s)
  • Flooring: LVT/LVP,Tile
  • Attic: Access Only

Heating & Cooling

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

Interior Area

  • Total structure area: 1,837
  • Total interior livable area: 1,837 sqft

Kitchen

  • Level: First

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: Second

Property

Details

  • Parcel number: 42350400740000
  • Zoning: R20
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Porch,Screened
  • Exterior features: Outdoor Shower
  • Fencing: None
  • Has view: Yes
  • View description: Creek/Stream,Marsh
  • Has water view: Yes
  • Water view: Creek/Stream,Marsh
  • On waterfront: Yes
  • Waterfront features: Water Access Comm,Marsh Front
  • Frontage type: Creek,Marsh Front
  • Living area range: 1800 - 1999

Lot

  • Lot size: 0.44 Acres
  • Features: Water Access Comm
  • Lot size dimensions: See Survey

Parking

  • Parking features: Gravel,Concrete

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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Winter Weather
Coastal Flooding
Inland Flooding
Ice Storm
Strong Wind
Tornado
Wildfire
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 $3,463$41,556
Home Insurance *$164$1,968
Property Taxes $248$2,976
Electricity $200$2,405
Total$4,075$48,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$139,714/yr
40% on housing$122,250/yr
45% on housing$108,666/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

$373This listing

vs Other Active Listings

Avg $/sqft

ZIP 28443$268
Pender County$319

vs Homes Sold Last Month

Median $/sqft

ZIP 28443$220
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)

Price History

DateEventPrice
2026-05-14Price change$625,000
2026-04-20Price change$685,000
2026-01-28Price change$699,999
2025-11-03Listed for sale$715,000
2021-03-11Sold$72,000

For Sale by Agent

AgentTessa Griffeth
BrokerageSurfside Realty Group

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