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38 Reston Bluff, Hampstead, NC, 28443

4beds
5baths
3,535sqft
$1,695,000
$479price/sqft
$9,791/moest. monthly cost
$391,640/yrincome needed

About This Home

Introducing a newly built, architecturally refined cedar residence in the prestigious Redd Banks community along the storied shores of Virginia Creek. This exclusive enclave is one of Hampstead's most coveted addresses, celebrated for its sweeping natural beauty, timeless Southern character, and the serene waterfront lifestyle it affords. A grand, oak lined approach welcomes you with a natural canopy that sets an unmistakably elegant tone--an entrance that feels both private and majestic. The rolling banks of Virginia Creek frame the neighborhood with a sense of heritage and tranquility, creating an atmosphere reminiscent of classic Southern estates. For boating enthusiasts, the location is unmatched. A public boat ramp and Sloop Point Marina are moments away, offering effortless access to open water for fishing, cruising, or sunset excursions. And when the ocean calls, the pristine white sands of Topsail Beach are less than 20 minutes from your doorstep, placing one of North Carolina's most beloved coastal destinations within easy reach. This is more than a home--it's a refined coastal retreat in one of Hampstead's most distinguished settings. Main level living with separate mother in law suite attached by a porte cochere. Unbelievable finishes abound in this well thought out forever home. Virginia Creek water views from every room will astound on this nearly 1 acre parcel. The kitchen boasts unobstructed water views with semi-custom maple cabinets from Woodland cabinetry featuring all plywood mitered boxes in a lovely mocha stain. A Thermador 42'' panel refrigerator and an in-island drawer microwave are complimented by a bosch panel dishwasher. A 36'' wolf range with copper hand-made hood imported from Mexico round out the cooking area. An oversized island provides a great gathering area with stool seating. A dedicated walk through pantry with drawer refrigeration and desk area flank the kitchen and offer easy access to the porte cochere. You will also find an all tile pet wash, blanco full sized sink and wine storage. The main living area includes vaulted ceilings with custom stained beams and a linear fireplace installed in an all stucco chimney. A dedicated dining area connects to the living room and twin Andersen doors lead to the covered oversized back porch. A water-view master on the main with dual vanity and walk in shower and closet lends itself to easy living and privacy. There are two bedrooms upstairs with full bathrooms including tiled showers and furniture vanities. Each bedroom has its own dedicated stairway, coffered ceilings and the best views in the house. The attached mother-in-law suite has two exterior doors, living room with sink, drawer refrigeration and lower cabinets. A dedicated bedroom with attached full bath and closet round out this area for guests or full-time family. Notable finishes include toto one-piece toilets, perrin and rowe plumbing fixtures, furniture vanities, exquisite lighting, colored concrete driveway, artificial turf in the raised back yard and an impressive all masonry fireplace with paver entertaining area with built in landscape lighting. Two generator disconnect panels and a plumbed gas line are already installed making a whole home generator an effortless addition. The lot is fully irrigated and landscaped. Superior construction includes all 2x6 exterior walls, Andersen Series A impact windows, foam insulation, 2x12 ceiling joists support the zip system plywood roof and sides, Western cedar shake siding, cedar trim, tongue and groove exposed soffit and all slab construction. Luxury vinyl plank, sculpted carpet and white oak treads and handrail give the home a touch of elegance. Plenty of room in the detached oversized 3 car garage. The middle bay has a 10' door height and nearly 30' deep. 11' ceiling height allows for car lifts as well and the windows bring plenty of light.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
Surf City ElementaryGrades PK-53.5 mi
9/10
Surf City MiddleGrades 6-83.5 mi
8/10
Topsail High SchoolGrades 9-124.7 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Architectural Shingle
  • Construction materials: Cedar,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Microwave,See Remarks,Refrigerator,Dishwasher,Gas Range
  • Laundry features: Laundry Room

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bathroom3

  • Level: Second

Bathroom4

  • Level: First

Bathroom5

  • Level: First

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Master Downstairs,Walk-in Closet(s),Vaulted Ceiling(s),High Ceilings,Mud Room,Kitchen Island,Apt/Suite,Ceiling Fan(s),Walk-in Shower,Gas Log,Walk-In Closet(s),See Remarks
  • Flooring: LVT/LVP,Carpet
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Walk-In

Heating & Cooling

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

Interior Area

  • Total structure area: 3,535
  • Total interior livable area: 3,535 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Other

  • Level: First

Other

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 42241509320000
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: Irrigation System
  • Fencing: None
  • Has view: Yes
  • View description: Creek/Stream
  • Has water view: Yes
  • Water view: Creek/Stream
  • Waterfront features: Pier
  • Frontage type: See Remarks
  • Living area range: 3500 - 3999

Lot

  • Lot size: 1.17 Acres
  • Features: Pier
  • Lot size dimensions: 152 x 323 x 184 x 284

Parking

  • Total spaces: 3
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $8,570$102,840
Home Insurance *$406$4,872
Property Taxes $486$5,832
Electricity $329$3,951
Total$9,791$117,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$335,691/yr
40% on housing$293,730/yr
45% on housing$261,093/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

$479This listing

vs Other Active Listings

Avg $/sqft

ZIP 28443$266
Pender County$318

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
2026-05-14Listed for sale$1,725,000
2026-05-11Listing removed$1,725,000
2025-11-18Listed for sale$1,725,000
2024-05-14Sold$500,000
2024-05-08Pending sale$500,000
2024-05-07Listed for sale$500,000
2024-03-19Pending sale$500,000
2024-03-18Listed for sale$500,000
2022-03-21Sold$350,000
2021-09-01Sold$250,000
2020-11-12Sold$225,000
2005-03-15Sold$500

New Construction

AgentBrett M Adams
BrokerageBrett Adams Homes

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