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822 S Topsail Drive #A, Holly Ridge, NC, 28445

7beds
4baths
3,264sqft
$1,180,000
$362price/sqft
$7,100/moest. monthly cost
$284,000/yrincome needed

About This Home

What a view from this Surf City Home with Solid Rental History if interested! The Ground Floor offers a multi-car Carport, Outdoor Storage Room, Golf Cart Parking, and all before you walk in the home! As you enter from Ground level, you'll find more Storage, and access to steps or the Elevator to take to the First Floor and beyond! Once on the First Floor, you'll find 2 Primary Suites, 2 other Bedrooms that are Generous in size, and a Full Bath for the 2 to share! Also, take a minute to enjoy the view on the Front Porch as well! As you go up another level the the 2nd Floor, you'll find a true Open Concept with Beautiful Kitchen, Dining Area, and a few different living spaces to sit and relax! You'll also find access to another Porch over looking the Beautiful Sound! There are also 2 bedrooms on this floor and full Bath as well! Don't miss the Crows Nest on the top floor which could be used as a 7th BR, Loft, or whatever you choose! There is also access to a private Deck that once again shows off the incredible views! This home has it all, including a shared pool, an outdoor shower, and quick access to Beach, Parks, Restaurants, Shops and more!

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

10/10
6/10
Topsail Middle SchoolGrades 5-87.1 mi
8/10
Topsail High SchoolGrades 9-127.5 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: See Remarks,Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Mud Room,Elevator

Heating & Cooling

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

Interior Area

  • Total structure area: 3,264
  • Total interior livable area: 3,264 sqft

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 42345772780000
  • Zoning: R10
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Deck,Porch
  • Fencing: Other
  • Waterfront features: None
  • Living area range: 3000 - 3499

Lot

  • Lot size: 1,742 sqft
  • Lot size dimensions: 55 x 135 x 48 x 140 A portion of

Parking

  • Parking features: Covered,Additional Parking,On Site

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

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Winter Weather
Inland Flooding
Ice Storm
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 $5,966$71,592
Home Insurance *$290$3,480
Property Taxes $540$6,480
Electricity $304$3,648
Total$7,100$85,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$243,428/yr
40% on housing$213,000/yr
45% on housing$189,333/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

$362This listing

vs Other Active Listings

Avg $/sqft

ZIP 28445$328
Pender County$318

vs Homes Sold Last Month

Median $/sqft

ZIP 28445$235
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)

No zestimate history available

Price History

DateEventPrice
2026-05-01Listing removed$18,200
2026-03-21Price change$1,180,000
2026-02-13Price change$1,190,000
2026-01-15Price change$1,195,000
2025-12-26Listed for rent$18,200
2025-12-17Listing removed$18,200
2025-11-13Listed for sale$1,225,000
2025-09-25Listed for rent$18,200
2024-10-12Listing removed$9,500
2024-09-23Listed for rent$9,500
2024-09-13Listing removed$14,000
2024-08-29Listed for rent$14,000

For Sale by Agent

AgentMatthew Wertz, Fathom Realty NC, LLC Cary
BrokerageFathom Realty NC, LLC Cary

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