109 Reef Road, Carolina Beach, NC, 28428
About This Home
Pre-sale luxury residence in Carolina Beach with an estimated completion of July 2026. Design boards have been established. This thoughtfully designed 4-bedroom, 2.5-bath home will offer approximately 2,429 square feet of living space, complete with an elevator servicing all levels. The ground level is designed for everyday functionality, featuring dual one-car garages, a dedicated storage room, and a convenient drop zone. The main living level presents a cohesive open-concept layout where the living, dining, and kitchen spaces flow seamlessly to the covered porch. The primary suite is also located on this level, offering an en-suite bath and a generous walk-in closet, as well as a well-placed half bath for guests. The top floor provides three additional bedrooms, a full bathroom, and a flexible bonus space ideal for a secondary living area or media room. Planned finishes include engineered hardwood flooring, hurricane-impact windows, Hardie fiber cement siding, tile-to-ceiling bathrooms and kitchen backsplash, 9-foot ceilings with 8-foot doors, a gas tankless water heater, whole-home water filtration system, and soundproof insulation in select areas. Ideally located just minutes from the shoreline, public boat ramp, local dining, Carolina Beach State Park, and the Carolina Beach Boardwalk.
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Other,Slab,Pilings
- Roof: Architectural Shingle
- Construction materials: Fiber Cement,Wood Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Vented Exhaust Fan,Gas Cooktop,Electric Oven,Built-In Microwave,Disposal,Dishwasher,Tankless Water Heater
- Laundry features: Dryer Hookup,Washer Hookup,Laundry Closet
Bathroom1
- Level: Second
Bathroom2
- Level: Third
Bathroom3
- Level: Second
Bedroom2
- Level: Third
Bedroom3
- Level: Third
Bedroom4
- Level: Third
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Bonus Room
- Level: Second
Features
- Walk-in Closet(s),High Ceilings,Kitchen Island,Ceiling Fan(s),Elevator,Pantry,Walk-in Shower,Walk-In Closet(s)
- Flooring: Tile,Wood
- Attic: Walk-In
Great Room
- Level: Second
Heating & Cooling
- Heating features: Electric,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,429
- Total interior livable area: 2,429 sqft
Master Bedroom
- Level: Second
Other
- Level: First
Other
- Level: First
Property
Details
- Parcel number: R08810004145000
- Zoning: R-2
- Special condition: Standard
Features
- Levels: Three Or More
- Patio & porch: Covered,Porch
- Exterior features: DP50 Windows
- Fencing: Partial,Wood
- Has view: Yes
- View description: See Remarks
- Frontage type: See Remarks
- Living area range: 2400 - 2599
Lot
- Lot size: 8,712 sqft
- Features: Dead End
- Lot size dimensions: Irregular
Parking
- Total spaces: 2
- Parking features: Attached,Paved,Garage7
- 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
- Coastal Flooding
- Hurricane
- Lightning
- Winter Weather
- Inland Flooding
- Ice Storm
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in New Hanover County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $6,548 | $78,576 |
| Home Insurance * | $151 | $1,812 |
| Property Taxes | $593 | $7,116 |
| Electricity | $226 | $2,714 |
| Total | $7,518 | $90,216 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-26 | Listed for sale | $1,295,000 |
| 2025-03-21 | Sold | $273,792 |
| 2025-01-31 | Contingent | $272,000 |
| 2025-01-27 | Listed for sale | $272,000 |
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