822 S Topsail Drive #B, Holly Ridge, NC, 28445
About This Home
*Profitable Short-Term Rental/Airbnb* Welcome to your fully furnished dream beach retreat in the heart of Surf City—a beautifully designed three-story coastal home that blends comfort, convenience, and style just steps from the sand and close to all the local favorites. As you arrive, you're greeted by a spacious, covered parking area—perfect for multiple vehicles, golf carts, and storing all your beach gear. Step into the drop zone entryway, where a large closet provides ample space for coats, bags, and towels. From here, a sleek residential elevator offers easy access to all levels, making beach life a breeze for everyone. Inside, the home features durable and stylish LVP flooring throughout, ideal for sandy feet and easy maintenance. The layout includes two luxurious primary bedrooms, each with en suite bathrooms, offering comfort and privacy for multiple families or guests. The top floor opens into a light-filled living space with views of both the ocean and the sound, creating a perfect balance of sunrise and sunset. A modern kitchen, open-concept dining, and a cozy living area make it an inviting spot to relax or entertain. Above it all sits the crow's nest—a versatile flex room or playroom with panoramic views of Surf City. Whether you're watching the waves roll in, turning it into a kid's hideaway, or creating a quiet workspace, this unique space adds character and function to the home. Step outside to find your shared 12' x 20' inground pool, the perfect spot to cool off after a day at the beach. An outdoor shower keeps the sand outside, while multiple balconies provide quiet nooks for ocean breezes and coastal sunsets. Best of all, you're just a short walk from the beach and within easy reach of Surf City's shops, restaurants, and local attractions, making this beach house not just a getaway—but a lifestyle.
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 2022
Materials
- Foundation: Other,Pilings
- Roof: Architectural Shingle
- Construction materials: Vinyl Siding,Wood Frame
Type & Style
- Home type: Townhouse
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Electric Oven,Built-In Microwave,Washer,Refrigerator,Dryer,Dishwasher
- Laundry features: Laundry Closet
Bedroom1
- Level: Second
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedroom4
- Level: Third
Bedroom5
- Level: Third
Bedroom6
- Level: Fourth
Bedrooms & Bathrooms
- Bedrooms: 7
- Bathrooms: 4
- Full bathrooms: 4
Dining Room
- Level: Third
Features
- Walk-in Closet(s),Entrance Foyer,Whirlpool,Kitchen Island,Ceiling Fan(s),Elevator,Furnished,Walk-in Shower,Walk-In Closet(s)
- Flooring: LVT/LVP,Tile
- Attic: None
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Central Air
Interior Area
- Total structure area: 3,321
- Total interior livable area: 3,321 sqft
Kitchen
- Level: Third
Living Room
- Level: Third
Master Bedroom
- Level: Second
Property
Details
- Parcel number: 4234577278000
- Zoning: R10
- Special condition: Standard
Features
- Levels: Three Or More
- Patio & porch: Open,Covered,Deck,Porch
- Exterior features: Outdoor Shower,DP50 Windows
- Fencing: Chain Link
- Has view: Yes
- View description: Marsh,Ocean
- Has water view: Yes
- Water view: Marsh,Ocean
- Waterfront features: None
- Frontage type: See Remarks
- Living area range: 3000 - 3499
Lot
- Lot size: 10,018 sqft
- Lot size dimensions: Irregular
Parking
- Parking features: Covered,Concrete
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
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pender 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 | $5,461 | $65,532 |
| Home Insurance * | $265 | $3,180 |
| Property Taxes | $495 | $5,940 |
| Electricity | $309 | $3,711 |
| Total | $6,530 | $78,360 |
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 |
|---|---|---|
| 2026-04-21 | Price change | $1,120,000 |
| 2026-04-02 | Price change | $1,100,000 |
| 2026-03-11 | Price change | $1,125,000 |
| 2026-02-23 | Price change | $1,134,900 |
| 2026-02-03 | Listed for sale | $1,145,000 |
| 2026-01-01 | Listing removed | $1,145,000 |
| 2025-12-01 | Price change | $1,145,000 |
| 2025-10-01 | Price change | $1,190,000 |
| 2025-09-18 | Price change | $1,195,000 |
| 2025-09-02 | Price change | $1,219,000 |
| 2025-07-24 | Price change | $1,250,000 |
| 2025-06-20 | Price change | $1,275,000 |
| 2025-05-21 | Listed for sale | $1,295,000 |
View on Zillow