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95 St Lawrence Drive, Rocky Point, NC, 28457

5beds
4baths
3,028sqft
$495,000
$163price/sqft
$3,106/moest. monthly cost
$124,240/yrincome needed

About This Home

Welcome to 95 St. Lawrence Drive in Rocky Point, where space, comfort, and modern style come together in a beautifully designed home offering over 3,000 square feet of living space. With five spacious bedrooms plus a large bonus room that could easily serve as a sixth bedroom, home office, media room, or playroom, this home provides the flexibility today's buyers are looking for. Step inside to an open-concept floor plan filled with natural light, creating the perfect setting for everyday living and effortless entertaining. The expansive living room flows seamlessly into the kitchen and dining area, making it easy to stay connected whether you're hosting family gatherings or enjoying a quiet evening at home. Luxury vinyl plank flooring extends throughout the main living areas, combining durability with timeless style, while plush carpeting in the bedrooms adds warmth and comfort. The spacious primary suite offers a relaxing retreat and features an oversized walk-in closet with exceptional storage--large enough to accommodate even the most impressive wardrobe. Outside, you'll find plenty of room to enjoy the peaceful surroundings of Rocky Point while remaining conveniently located just a short drive from Wilmington, shopping, dining, and area beaches. If you've been searching for a home with generous living space, an open floor plan, and room for everyone, this is one you won't want to miss!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

9/10
6/10
Topsail Middle SchoolGrades 5-85.3 mi
8/10
Topsail High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 2019

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

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

Interior

Basement

  • Basement: None

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main

Features

  • Master Downstairs,Walk-in Closet(s),Tray Ceiling(s),High Ceilings,Entrance Foyer,Solid Surface,Ceiling Fan(s),Pantry,Walk-in Shower,Blinds/Shades,Gas Log,Walk-In Closet(s)
  • Door features: Storm Door(s)
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Scuttle,Walk-In

Heating & Cooling

  • Heating features: Propane,Fireplace(s),Electric,Heat Pump
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 3,028
  • Total interior livable area: 3,028 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 32730681440000
  • Zoning: PD
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Enclosed,Porch,Screened
  • Exterior features: Irrigation System,Storm Doors
  • Fencing: Privacy,Back Yard,Wood
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 3000 - 3499

Lot

  • Lot size: 9,583 sqft
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Concrete,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Lightning
Winter Weather
Inland Flooding
Tornado
Cold Wave
Heat Wave
Ice Storm
Strong Wind
Wildfire

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 $2,502$30,024
Home Insurance *$129$1,548
Property Taxes $193$2,316
Electricity $282$3,384
Total$3,106$37,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,491/yr
40% on housing$93,180/yr
45% on housing$82,826/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

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 28457$284
Pender County$320

vs Homes Sold Last Month

Median $/sqft

ZIP 28457$194
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
2026-07-29Price change$495,000
2026-07-07Listed for sale$499,999
2023-10-02Sold$499,000
2023-08-29Pending sale$499,000
2023-08-21Listed for sale$499,000
2023-02-27Listing removed--
2023-02-24Price change$539,000
2023-02-10Listed for sale$549,000
2019-11-12Sold$320,000

For Sale by Agent

AgentEd Ward
BrokerageShoreline Realty

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