402 Flay Drive, Holly Ridge, NC, 28445
About This Home
''Welcome to The Woodford at the Townhomes at Gateway Commons in Holly Ridge, North Carolina, a thriving coastal community just minutes from Topsail Island. This 3-bedroom, 2.5-bath townhome with a one-car garage offers an efficient and modern open-concept layout designed for easy coastal living. The main level features durable LVP flooring throughout and a well-appointed kitchen that opens seamlessly into the dining and living areas, creating an inviting space for entertaining or relaxing after a day at the beach. Large windows bring in natural light, enhancing the bright, coastal feel of the home. Upstairs, the spacious primary suite includes a double vanity bath and walk-in closet, while two additional bedrooms provide flexibility for guests, family, or a home office. Soft carpeting throughout the upper level adds comfort and warmth. A private rear patio extends your living space outdoors--perfect for grilling, unwinding, or enjoying coastal evenings. Includes a one-car garage and full appliance package with washer, dryer, blinds, and garage door opener. Conveniently located approximately 10-15 minutes from beaches in Surf City, North Carolina.''
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: To Be Built
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Slab
- Roof: Architectural Shingle
- 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,Disposal,Dishwasher
- Laundry features: Laundry Closet
Basement
- Basement: None
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: First
Features
- Walk-in Closet(s),High Ceilings,Walk-in Shower,Blinds/Shades,Walk-In Closet(s)
- Flooring: LVT/LVP,Carpet
- Attic: Access Only
- Common walls with other units/homes: End Unit
Heating & Cooling
- Heating features: Electric,Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,422
- Total interior livable area: 1,422 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: Second
Property
Details
- Parcel number: 178434
- Zoning: NB/R-5A
- Special condition: Standard
Features
- Levels: Two
- Pool features: None
- Patio & porch: Patio
- Exterior features: End Unit
- Fencing: Vinyl
- Has view: Yes
- View description: None
- Waterfront features: None
- Frontage type: See Remarks
- Living area range: 1400 - 1599
Lot
- Lot size: 0.40 Acres
- Lot size dimensions: 20 x 90 x 20 x 90
Parking
- Total spaces: 1
- Parking features: Concrete,Garage Door Opener,Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Winter Weather
- Lightning
- Strong Wind
- Tornado
- Coastal Flooding
- Cold Wave
- Heat Wave
- Inland Flooding
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters in Onslow 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 | $1,388 | $16,656 |
| Home Insurance * | $67 | $804 |
| Property Taxes | $146 | $1,752 |
| Electricity | $200 | $2,405 |
| Total | $1,801 | $21,612 |
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 |
|---|---|---|
| 2026-06-27 | Listed for sale | $274,630 |
View on Zillow