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2628 N Lumina Avenue, Wrightsville Beach, NC, 28480

6beds
6baths
4,541sqft
$3,595,000
$792price/sqft
$20,487/moest. monthly cost
$819,480/yrincome needed

About This Home

Have you dreamt of quiet mornings on the porch drinking coffee while looking out at the ocean, going for a walk on the beach, and a day in the sand? 2628 N Lumina Ave is set just one home behind the oceanfront, steps from the beach, with gorgeous views and lovely spaces. There may not be a home at Wrightsville more perfectly suited as a true family beach home. With 6 bedrooms consisting of two primaries, two more en-suites, and a Jack-and-Jill, the layout is perfect for adults and children alike. Wraparound porches offer each bedroom their own vista and outdoor space to relax and the open living/dining/kitchen space are truly welcoming; both spacious and cozy, with porches and views out every window. The upper primary is its own retreat, a peaceful respite with a lounge area, an office, a spacious bath, and a porch with the best views in the house, looking out over the beautiful north end and Mason's Inlet. Parking is plentiful with two garage spaces, two driveway spaces, and up to 7 spaces on the drive just in front of the home. If your dreams include family days at the beach, or a beach home that has the potential to generate great rental income to offset your investment, you have found ''the one''!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

9/10
6/10
M C S Noble MiddleGrades 6-83.7 mi
6/10
John T Hoggard HighGrades 9-127.1 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Other,Slab,Pilings
  • Roof: Architectural Shingle
  • Construction materials: Shake Siding,Wood Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Washer,Refrigerator,Dryer,Disposal,Dishwasher
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Walk-in Closet(s),High Ceilings,Entrance Foyer,Mud Room,Kitchen Island,Elevator,Ceiling Fan(s),Furnished,Pantry,Walk-in Shower,Wet Bar,Blinds/Shades,Gas Log,Walk-In Closet(s)
  • Door features: Thermal Doors
  • Window features: Thermal Windows
  • Flooring: Carpet,Tile,Hardwood
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 4,541
  • Total interior livable area: 4,541 sqft

Other

  • Level: Ground

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: R05218002006000
  • Zoning: R-1
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Patio & porch: Covered,Deck,Porch,Wrap Around
  • Exterior features: Outdoor Shower,Irrigation System,Gas Log,Thermal Doors
  • Fencing: Partial
  • Has view: Yes
  • View description: ICW,Marsh,Ocean,Sound,Water
  • Has water view: Yes
  • Water view: Marsh,Ocean,Sound,Water
  • Waterfront features: Second Row
  • Frontage type: See Remarks
  • Living area range: 4500 - 4999

Lot

  • Lot size: 8,712 sqft
  • Features: Corner Lot,Ocean Side,Second Row
  • Lot size dimensions: 88 x 112 x 84 x 100

Parking

  • Total spaces: 2
  • Parking features: On Site,Paved
  • 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
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Inland Flooding
Ice Storm
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters in New Hanover 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 $18,178$218,136
Home Insurance *$240$2,880
Property Taxes $1,647$19,764
Electricity $422$5,075
Total$20,487$245,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$702,411/yr
40% on housing$614,610/yr
45% on housing$546,320/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$792This listing

vs Other Active Listings

Avg $/sqft

ZIP 28480$825
New Hanover County$307

vs Homes Sold Last Month

Median $/sqft

ZIP 28480$1,085
New Hanover County$260

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
2026-02-19Listed for sale$3,795,000
2000-05-19Sold$915,000

For Sale by Agent

AgentLynne M Galloway
BrokerageLandmark Sotheby's International Realty

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