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107 Raleigh Avenue, Surf City, NC, 28445

5beds
6baths
3,713sqft
$1,995,000
$537price/sqft
$11,195/moest. monthly cost
$447,800/yrincome needed

About This Home

Discover unparalleled coastal living in this stunning newly constructed custom built home by Frank Williams Building Company. Perfectly positioned in Surf City, NC just steps to the public beach access, this exceptional property boasts breathtaking views of both the Atlantic Ocean and the Intracoastal Waterway, offering the ideal blend of luxury and comfort. With 5 spacious bedrooms, 6 bathrooms, and over 3,700 square feet of expertly crafted living space, this home is made for both relaxation and entertaining. The thoughtfully designed reverse floor plan maximizes views and natural light, while two owner suites provide flexibility and comfort for multigenerational living or guests. Inside you will find Café appliances in a gourmet kitchen adorned with quartz countertops, complemented by matching quartz finishes in all bathrooms and on demand water heater offering instant hot water at every faucet. High-end finishes include Marvin windows, a private elevator, and closed-cell foam insulation in the attic and garage for enhanced efficiency. This home also boasts a fully finished garage space, perfect for a gym, office, or additional storage. The lush landscaping is complete with zoysia sod, creating a vibrant, low-maintenance outdoor space. While hosting guests or enjoying quiet mornings with coffee, choose one of the four balconies to extend your living space and bring the outdoors in. Whether you're seeking a primary residence, luxury vacation home, or investment opportunity, this Surf City gem delivers coastal elegance in an unbeatable location.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
66
BikeBikeable

Schools

7/10
Surf City ElementaryGrades PK-53.1 mi
9/10
Surf City MiddleGrades 6-83.1 mi
8/10
Topsail High SchoolGrades 9-127.9 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Other,Pilings
  • Roof: Architectural Shingle
  • Construction materials: Fiber Cement,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Washer,Refrigerator,Dryer

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Features

  • High Ceilings,Entrance Foyer,Mud Room,Kitchen Island,Elevator,Ceiling Fan(s),Pantry,Reverse Floor Plan,Walk-in Shower,Wet Bar
  • Flooring: LVT/LVP,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 3,713
  • Total interior livable area: 3,713 sqft

Kitchen

  • Level: Third

Kitchen

  • Level: Third

Master Bedroom

  • Level: Third

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: 42347844880000
  • Zoning: C2
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Covered,Deck,Porch,Wrap Around,Balcony
  • Exterior features: Outdoor Shower,Irrigation System
  • Fencing: None
  • Has view: Yes
  • View description: ICW,Ocean
  • Has water view: Yes
  • Water view: Ocean
  • Waterfront features: None
  • Living area range: 3500 - 3999

Lot

  • Lot size: 5,227 sqft
  • Lot size dimensions: 50 x 103 x 50 x 103

Parking

  • Total spaces: 3
  • Parking features: Paved
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $10,087$121,044
Home Insurance *$490$5,880
Property Taxes $273$3,276
Electricity $345$4,149
Total$11,195$134,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$383,828/yr
40% on housing$335,850/yr
45% on housing$298,533/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

$537This listing

vs Other Active Listings

Avg $/sqft

ZIP 28445$326
Pender County$317

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)

Price History

DateEventPrice
2026-03-12Price change$2,349,000
2026-01-08Price change$2,449,000
2025-07-14Listed for sale$2,499,000
2023-09-29Sold$390,000

New Construction

AgentShelly W Wagner
BrokerageWicker Properties of the Carolinas, Inc.

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