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117 Lacosta Place, North Topsail Beach, NC, 28460

8beds
6baths
3,114sqft
$1,474,000
$473price/sqft
$9,477/moest. monthly cost
$379,080/yrincome needed

About This Home

GREAT VIEWS!! GUARANTEED RENT! The builder/seller would like to rent back after closing and use as a model and a rental. The seller would guarantee the buyers rent of $100,000 and allow two weeks use to buyer subject to existing bookings. This offer is subject to be withdrawn any time prior to contract. ISLAND LIVING AWAITS YOU! Experience breathtaking Ocean and ICW views from this stunning home, perfectly located in the serene North Topsail Beach. Built with exceptional quality by a premier builder, this property offers the best of island living with easy access to both the island and the mainland. With eight spacious bedrooms, this property is ideal for a lucrative rental investment and already has great rentals weeks scheduled for other to enjoy!!, This could be a charming second home, or your very own private oasis. Beautifully furnished, there's not a reason why you can't bring a suitcase and move right in!! Either way you choose, you will enjoy owning property on Topsail Island!! The community pool offers a relaxing retreat, or simply walk to the beach access to immerse yourself in the natural beauty of the island. Don't miss the opportunity to call this paradise your home--now is the time to make the move to island life!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

10/10
Coastal ElementaryGrades PK-56.4 mi
7/10
Dixon MiddleGrades 6-83.9 mi
4/10
Dixon HighGrades 9-127.6 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Microwave,Range,Dishwasher
  • Laundry features: In Hall,Laundry Closet

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 6
  • Full bathrooms: 6

Features

  • High Ceilings,Solid Surface,Kitchen Island,Ceiling Fan(s),Elevator,Reverse Floor Plan,Walk-in Shower
  • Flooring: LVT/LVP
  • Attic: Access Only

Heating & Cooling

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

Interior Area

  • Total structure area: 3,114
  • Total interior livable area: 3,114 sqft

Property

Details

  • Parcel number: 779a48
  • Zoning: R-20
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Open,Covered,Deck
  • Fencing: None
  • Has view: Yes
  • View description: ICW,Ocean,Sound,Water
  • Has water view: Yes
  • Water view: Ocean,Sound,Water
  • Waterfront features: Sound Side,Sound Front
  • Frontage type: Sound Front
  • Living area range: 3000 - 3499

Lot

  • Lot size: 0.28 Acres
  • Features: Sound Side
  • Lot size dimensions: 50 x 157.85 x 50 x 457.23

Parking

  • Parking features: Off Street,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
  • 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 $7,453$89,436
Home Insurance *$402$4,824
Property Taxes $1,332$15,984
Electricity $290$3,480
Total$9,477$113,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$324,925/yr
40% on housing$284,310/yr
45% on housing$252,720/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

$473This listing

vs Other Active Listings

Avg $/sqft

ZIP 28460$305
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)

Price History

DateEventPrice
2026-05-04Price change$1,499,000
2026-04-14Price change$1,519,750
2026-02-18Listed for sale$1,524,750
2025-12-11Listing removed$1,494,000
2025-12-09Listed for sale$1,494,000
2025-04-09Listing removed$1,349,000
2025-02-25Listed for sale$1,349,000

New Construction

AgentWanda Martin Davis
BrokerageBetter Homes and Gardens Real Estate Treasure

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