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55 Accolade Drive, Holly Ridge, NC, 28445

4beds
4baths
2,700sqft
$1,399,000
$518price/sqft
$8,310/moest. monthly cost
$332,400/yrincome needed

About This Home

Last available home in Accolade! Unsurpassed breathtaking Panoramic Water Views! Discover coastal luxury in this brand-new, custom-built upscale home, perfectly positioned to capture spectacular vistas of the Atlantic Ocean and Intracoastal Waterway. Coastal living reaches new heights with balconies on every level, including a standout fourth-floor cupola and expansive viewing deck offering 360-degree panoramic scenery. All decks feature elegant ambient lighting for evening enjoyment, while the rear ground-level outdoor entertainment area includes an outside shower—ideal for post-beach rinses. Step inside to modern sophistication: two primary bedrooms, a premium SONOS sound system throughout the interior and on all rear exterior decks, plus a full surround-sound setup in the great room. Security is seamless with a Ring floodlight camera, doorbell, and comprehensive security system. Just 2.5 miles from the vibrant heart of Surf City, you're minutes from top dining, shopping, the iconic Surf City Pier, public boat launch, Soundside Park, and everything the island has to offer. Nestled in the exceptional Accolade Community, residents enjoy resort-style amenities including the island's largest pool (with waterfall, tanning ledge, and in-water seating), an open-air clubhouse featuring a kitchen, restrooms, fireplace, and versatile entertaining spaces. Scenic walking trails wind through mature live oaks and tranquil natural surroundings, blending upscale living with serene coastal nature. Best of all, beach access is conveniently located right across the street. This is more than a home—it's your private coastal retreat. Don't miss this rare opportunity in one of Topsail Island's premier communities!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

7/10
Surf City ElementaryGrades PK-54.1 mi
9/10
Surf City MiddleGrades 6-84.1 mi
8/10
Topsail High SchoolGrades 9-125.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Fiber Cement,Wood Frame

Type & Style

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

Interior

Appliances

  • Laundry features: Dryer Hookup,Washer Hookup,Laundry Room

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Sound System,Master Downstairs,Vaulted Ceiling(s),Tray Ceiling(s),High Ceilings,Bookcases,Kitchen Island,Elevator,Ceiling Fan(s),Walk-in Shower,Wet Bar,Gas Log
  • Flooring: LVT/LVP
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: None

Heating & Cooling

  • Heating features: Propane,Heat Pump,Fireplace(s),Electric
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,700
  • Total interior livable area: 2,700 sqft

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: 352d22
  • Zoning: RSF-7
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 4
  • Pool features: None
  • Patio & porch: Open,Covered,Deck,Porch,Balcony
  • Exterior features: Outdoor Shower,Irrigation System
  • Fencing: Metal/Ornamental,Full
  • Has view: Yes
  • View description: ICW,Ocean,Sound
  • Has water view: Yes
  • Water view: Ocean,Sound
  • Waterfront features: None
  • Frontage type: See Remarks
  • Living area range: 2600 - 2799

Lot

  • Lot size: 5,662 sqft
  • Features: Interior Lot
  • Lot size dimensions: 13-14'

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Additional Parking,Garage Door Opener,Lighted
  • 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
  • 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 $7,074$84,888
Home Insurance *$344$4,128
Property Taxes $641$7,692
Electricity $251$3,017
Total$8,310$99,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$284,914/yr
40% on housing$249,300/yr
45% on housing$221,600/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

$518This 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
2026-05-02Price change$1,489,999
2026-02-05Price change$1,499,999
2025-11-26Listed for sale$1,424,999
2024-10-29Sold$350,000

New Construction

AgentMonica T Coleman
BrokerageCoastal Properties

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