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108 NE 64th Street, Oak Island, NC, 28465

4beds
4baths
2,006sqft
$979,000
$488price/sqft
$5,756/moest. monthly cost
$230,240/yrincome needed

About This Home

Price Reduced! -Beautiful new 1731 sq ft home with 4 bedrooms and 3 full baths on the main floor, plus 275 sq ft of finished space on the ground floor including another full bath, a sink refrigerator and icemaker all climate controlled. This home is conveniently located in the heart of everything you need and want. Steps to the beach, grocery stores and restaurants including the renowned Salt 64, miniature golf and just a short drive to the boat ramp. And the best part, a 12x25 swimming pool with heater/cooler, and plenty of room for lounge chairs and seating. The driveway will be pervious concrete, there is a 12x16 golf cart storage space with an 8 ft tall door, plus another 11x11 enclosed storage area and an outdoor shower. The home is equipped with 320 amp service, an on demand hot water heater, landscaping, irrigation, a gutterless stormwater system, white vinyl fenced in backyard with a wrought iron gate. The covered front and back porches feature pebble grey Trex decking and the home is clad in Hardy fiber cement siding. Inside the main living area is trimmed out in board and batten, and features an open floor plan. The living area windows frame a colorful sunset, and the kitchen will have a tile backsplash and leathered blue dune granite. The master bedroom features a tray ceiling, a spacious walk in closet, the en suite has a double vanity with quartz countertop, and a double head walk in shower with glass door. The second master also has a walk in shower with a glass door in the private bath. The remaining two bedrooms share a bathroom with a tub/shower combo. This gorgeous home checks all the boxes and you must see it!

Getting Around

46
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

8/10
Southport ElementaryGrades K-54.0 mi
4/10
South Brunswick MiddleGrades 6-87.3 mi
4/10
South Brunswick HighGrades 9-127.6 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Microwave,Washer,Refrigerator,Ice Maker,Dryer,Dishwasher,Electric Range
  • Laundry features: Laundry Closet

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Tray Ceiling(s),Kitchen Island,Ceiling Fan(s),Walk-in Shower
  • Flooring: LVT/LVP
  • Attic: Pull Down Stairs

Heating & Cooling

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

Interior Area

  • Total structure area: 1,731
  • Total interior livable area: 2,006 sqft

Other

  • Level: First

Property

Details

  • Parcel number: 236pf00801
  • Zoning: Ok-R-6
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Pool features: In Ground
  • Patio & porch: Front Porch,Rear Porch
  • Exterior features: Outdoor Shower,Irrigation System,See Remarks
  • Fencing: Back Yard,Vinyl
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 1600 - 1799

Lot

  • Lot size: 6,534 sqft
  • Features: Rectangular Lot
  • Lot size dimensions: see survey

Parking

  • Parking features: Covered,On Site,Paved,Golf Cart Garage

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

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters in Brunswick County and North Carolina

Fire
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 $4,950$59,400
Home Insurance *$182$2,184
Property Taxes $424$5,088
Electricity $200$2,405
Total$5,756$69,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$197,348/yr
40% on housing$172,680/yr
45% on housing$153,493/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$488This listing

vs Other Active Listings

Avg $/sqft

ZIP 28465$401
Brunswick County$270

vs Homes Sold Last Month

Median $/sqft

ZIP 28465$442
Brunswick County$205

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
2026-08-12Contingent$979,000
2026-07-10Price change$979,000
2026-06-03Listed for sale$989,000

New Construction

AgentMelanie Q Morgan
BrokerageCabana Realty

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