105 A Bay Drive, Holly Ridge, NC, 28445
About This Home
Welcome to 105A Bay Dr in Surf City, a fully furnished 3-bedroom, 3-bath coastal retreat offering deeded beach access, beautiful sound views from the screened porch with the reverse floorplan, and a prime location close to Surf City restaurants, shopping, and local attractions. Set waterfront off the road for added privacy and serenity, this well-maintained home has never been rented yet offers excellent rental potential for those seeking an investment property or second home. A shared dock adds to the coastal lifestyle and provides the perfect place to launch paddleboards or kayaks and enjoy time on the water. The new fortified roof provides peace of mind, and a secure storage area adds convenience for beach gear and coastal essentials. Whether you are looking for a primary residence, vacation getaway, or income-producing property, this home delivers comfort, versatility, and classic island charm. Come take a look and you may never leave!
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 2003
Materials
- Foundation: Other,Pilings
- Roof: Shingle,See Remarks,Composition
- 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,Electric Range
- Laundry features: In Hall
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Features
- Entrance Foyer,Furnished,Pantry,Blinds/Shades
- Window features: Storm Window(s)
- Flooring: LVT/LVP,Carpet,Tile
- Attic: Access Only
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 1,838
- Total interior livable area: 1,838 sqft
Property
Details
- Parcel number: 42452380720000
- Zoning: C2
- Special condition: Standard
Features
- Levels: Two
- Pool features: None
- Patio & porch: Open,Covered,Porch,Screened
- Exterior features: Outdoor Shower,Gas Log,See Remarks
- Fencing: None
- Has view: Yes
- View description: ICW,Marsh,Sound,Water
- Has water view: Yes
- Water view: Marsh,Sound,Water
- On waterfront: Yes
- Waterfront features: Pier,Deeded Water Rights,Sound Side,Marsh Front,Sound Front
- Frontage type: Marsh Front,Sound Front
- Living area range: 1800 - 1999
Lot
- Lot size: 6,970 sqft
- Features: Open Lot,Deeded Water Rights,Pier,Sound Side
- Lot size dimensions: Irr
Parking
- Parking features: On Site,Paved,Parking Pad,Underhouse
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 | $3,893 | $46,716 |
| Home Insurance * | $189 | $2,268 |
| Property Taxes | $352 | $4,224 |
| Electricity | $200 | $2,405 |
| Total | $4,634 | $55,608 |
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 |
|---|---|---|
| 2026-07-15 | Price change | $770,000 |
| 2026-05-21 | Listed for sale | $795,000 |
| 2016-02-29 | Sold | $220,000 |
For Sale by Agent
View on Zillow