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221 N Bald Head Wynd Wynd #16A, Oak Island, NC, 28461

4beds
3baths
1,508sqft
$995,000
$660price/sqft
$5,985/moest. monthly cost
$239,400/yrincome needed

About This Home

Marsh Views. Island Living. Room to Breathe. Perched as the upper unit with sweeping views over the Bald Head Island marsh, 16A Timbercreek offers a rare combination of space, light, and setting. The screened in porch and side porch off the master and living room offer lots of options to enjoy the view. The home features four bedrooms and three full baths, including a private loft retreat that provides a peaceful escape for guests or extra living space. Vaulted, wood-beamed ceilings, an open living and dining area, and generous windows draw the marsh and sky indoors. The sale includes one golf cart, and a BHI Club Lifestyle membership is available to purchase separately, making this an effortless, move-in-ready way to enjoy island life from day one. Selling Furnished, but not all art and decor convey. The private community pool for TimberCreek owners and guests, boardwalk, private boat launch and two floating docks are some of our favorite features. No other community on Bald Head Island offers all those amenities for the owners.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

8/10
Southport ElementaryGrades K-54.6 mi
4/10
South Brunswick MiddleGrades 6-810.3 mi
4/10
South Brunswick HighGrades 9-1210.4 mi

Construction

Condition

  • Year built: 1985

Materials

  • Roof: Asphalt

Type & Style

  • Home type: Condo

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Hardwood

Heating & Cooling

  • Heating features: Forced air,Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,508 sqft

Property

Features

  • Exterior features: Wood
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Parking

  • Parking features: Carport,Garage - Attached

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 FloodingRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Inland Flooding
Wildfire
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 $5,031$60,372
Home Insurance *$323$3,876
Property Taxes $431$5,172
Electricity $200$2,405
Total$5,985$71,820
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$205,200/yr
40% on housing$179,550/yr
45% on housing$159,600/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: 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

$660This listing

vs Other Active Listings

Avg $/sqft

ZIP 28461$265
Brunswick County$270

vs Homes Sold Last Month

Median $/sqft

ZIP 28461$243
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)

No zestimate history available

Price History

DateEventPrice
2026-07-13Listed for sale$995,000

For Sale by Owner

AgentProperty Owner

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