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6 Cape Lane, North Topsail Beach, NC, 28460

4beds
5baths
3,040sqft
$1,500,000
$493price/sqft
$9,634/moest. monthly cost
$385,360/yrincome needed

About This Home

Custom-built coastal retreat in the highly sought-after Cape Island community of North Topsail Beach North Carolina offering water views of the ocean, Intracoastal, and sound -- and just a short stroll to private beach access.. Designed with a reverse floor plan to maximize views and natural light, this exceptional 4-bedroom, 4.5-bath home blends luxury, comfort, and thoughtful craftsmanship throughout. The open-concept home showcases site-finished hardwood floors, custom cabinetry, designer lighting, and elegant trim details including a coffered ceiling feature and beams. The chef's kitchen is beautifully appointed with Thermador appliances(including refrigerator, wine fridge, walk-in pantry, floating shelves and expansive workspace perfect for entertaining. This home offers two primary suites, one on living area floor and a stunning second-floor owner's retreat featuring dual custom walk-in closets with built-ins, double access to surrounding decks, custom trim accent wall, and a spa-inspired bath complete with pocket doors, double custom vanity, soaking tub, water closet, and oversized walk-in shower with rain head. Elevator access provides ease of living, while every level opens to Trex decking that surrounds the home, capturing water views from all sides. Additional features include decorative tile, fiber cement siding, metal roof, luxury lighting and plumbing fixtures, washer and dryer, and a spacious 4-car tandem garage with epoxy flooring. Outdoor living is equally impressive with a beautifully landscaped and sodded yard, paver driveway, lower patio, and outdoor shower -- perfect after a day at the beach or on the water. Cape Island amenities include private beach access, community pool, community building, and boat launch. . A rare opportunity to own a meticulously crafted coastal home offering elevated finishes, exceptional amenities, and effortless island living. Beautifully staged, with select furnishings available to convey.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

5/10
Dixon ElementaryGrades PK-54.6 mi
7/10
Dixon MiddleGrades 6-83.4 mi
4/10
Dixon HighGrades 9-127.2 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Permanent,Other,Pilings
  • Roof: Metal
  • Construction materials: See Remarks,Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Vented Exhaust Fan,Gas Oven,Gas Cooktop,Built-In Microwave,Built-In Electric Oven,Washer,Refrigerator,Ice Maker,Dishwasher,Tankless Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: Other

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Walk-in Closet(s),Tray Ceiling(s),High Ceilings,Entrance Foyer,Mud Room,Solid Surface,Kitchen Island,Elevator,Ceiling Fan(s),Pantry,Reverse Floor Plan,Walk-in Shower,Walk-In Closet(s)
  • Window features: Thermal Windows
  • Flooring: Tile,Wood,Ceramic Tile,Hardwood

Heating & Cooling

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

Interior Area

  • Total structure area: 3,040
  • Total interior livable area: 3,040 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Second

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Other

  • Level: Ground

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: 7751.14
  • Zoning: R-5
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Covered,Deck,Patio,Porch,Wrap Around,Balcony,Front Porch,Rear Porch,Side Porch
  • Exterior features: Outdoor Shower
  • Fencing: None
  • Has view: Yes
  • View description: Canal,ICW,Marsh,Ocean,Sound,Water
  • Has water view: Yes
  • Water view: Canal,Marsh,Ocean,Sound,Water
  • Waterfront features: Boat Ramp,Sound Side,Water Access Comm
  • Frontage type: See Remarks
  • Living area range: 3000 - 3499

Lot

  • Lot size: 0.30 Acres
  • Features: Boat Ramp,Sound Side,Water Access Comm,Landscaped
  • Lot size dimensions: 85 x 5.87 x 45.09 x 52.69 x 57.39 x 126.03 x 90.34 x 44.62

Parking

  • Total spaces: 4
  • Parking features: Garage Faces Front,Attached,Covered,Garage Door Opener,See Remarks,Off Street,Tandem
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Winter Weather
Lightning
Strong Wind
Tornado
Tsunami

FEMA Declared Disasters in Onslow 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 $7,584$91,008
Home Insurance *$409$4,908
Property Taxes $1,358$16,296
Electricity $283$3,397
Total$9,634$115,608
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$330,308/yr
40% on housing$289,020/yr
45% on housing$256,906/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$493This listing

vs Other Active Listings

Avg $/sqft

ZIP 28460$304
Onslow County$207

vs Homes Sold Last Month

Median $/sqft

ZIP 28460$202
Onslow County$173

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
2026-05-08Price change$1,550,000
2026-04-22Price change$1,630,000
2025-06-27Listed for sale$1,750,000
2021-05-03Sold$90,000

New Construction

AgentAmy Fann, HomeTowne Realty
BrokerageHomeTowne Realty

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