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109 South Carolina Avenue, Carolina Beach, NC, 28428

5beds
6baths
3,891sqft
$1,825,000
$469price/sqft
$10,449/moest. monthly cost
$417,960/yrincome needed

About This Home

This coastal home truly stands out, offering incredible ocean views from multiple decks and a design that maximizes both light and livability. With 6 bedrooms, 4 full baths, and 2 half baths, there's plenty of space for hosting, relaxing, or generating rental income. The kitchen is thoughtfully finished with granite countertops, a detailed backsplash, an oversized island, and high-end Bosch appliances including a gas cooktop. The primary suite is a standout, featuring a spacious bath and a large walk-in California closet. Outdoor living takes center stage here - enjoy a private top-floor deck with ocean-facing views, while additional decks provide the perfect spots for sunrise mornings or sunset evenings. Inside, you'll also find both a dry bar and a top-level wet bar, ideal for entertaining. A four-stop elevator services every level, with the option to create a private top-floor suite, studio, or flex space. Built with durability in mind, the home includes composite decking, a metal roof, impact-rated windows, and low-maintenance exterior materials. Situated on a corner lot, the property offers a three garage with additional space for recreational storage. After a day at the beach - just a short walk away - unwind in the 5-person hot tub surrounded by turf and a custom paver patio. Whether you're looking for a primary residence, second home, or investment opportunity, this property offers flexibility and strong rental potential.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

7/10
7/10
Charles P Murray MiddleGrades 6-85.7 mi
5/10
Eugene Ashley HighGrades 9-125.8 mi

Construction

Condition

  • Year built: 2019

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Mini Refrigerator,Gas Cooktop,Electric Oven,Built-In Microwave,Refrigerator,Disposal,Dishwasher
  • Laundry features: Laundry Room

Bedroom2

  • Level: Third

Bedroom3

  • Level: Third

Bedroom4

  • Level: Third

Bedroom5

  • Level: Third

Bedroom6

  • Level: Fourth

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Bonus Room

  • Level: Fourth

Bonus Room

  • Level: Third

Dining Room

  • Level: Second

Features

  • Master Downstairs,Walk-in Closet(s),High Ceilings,Mud Room,Kitchen Island,Elevator,Ceiling Fan(s),Hot Tub,Walk-in Shower,Wet Bar,Blinds/Shades,Dry Bar,Walk-In Closet(s)
  • Flooring: LVT/LVP,Tile,Wood

Heating & Cooling

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

Interior Area

  • Total structure area: 3,891
  • Total interior livable area: 3,891 sqft

Kitchen

  • Level: Second

Living Room

  • Level: Second

Master Bedroom

  • Level: Second

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed

Details

  • Parcel number: R09018010001000
  • Zoning: MX
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Pool features: None
  • Patio & porch: Covered,Deck,Patio,Porch,Balcony,Front Porch,Side Porch
  • Exterior features: Outdoor Shower,Irrigation System,DP50 Windows
  • Fencing: Back Yard,Wood
  • Has view: Yes
  • View description: Ocean,Water
  • Has water view: Yes
  • Water view: Ocean,Water
  • Waterfront features: None
  • Frontage type: See Remarks
  • Living area range: 3500 - 3999

Lot

  • Lot size: 5,227 sqft
  • Features: Corner Lot
  • Lot size dimensions: 50 x 100

Parking

  • Total spaces: 3
  • Parking features: Garage Faces Side,Garage Faces Front,Covered,Concrete,Garage Door Opener,On Site
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Winter Weather
Coastal Flooding
Ice Storm
Tornado
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 $9,228$110,736
Home Insurance *$213$2,556
Property Taxes $646$7,752
Electricity $362$4,348
Total$10,449$125,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$358,251/yr
40% on housing$313,470/yr
45% on housing$278,640/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

$469This listing

vs Other Active Listings

Avg $/sqft

ZIP 28428$355
New Hanover County$308

vs Homes Sold Last Month

Median $/sqft

ZIP 28428$466
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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Listed for sale$1,825,000
2024-01-19Sold$1,525,000
2023-12-27Pending sale$1,590,000
2023-12-18Listed for sale$1,590,000
2020-08-14Sold$1,100,000
2018-03-21Sold$215,000
2018-03-02Pending sale$215,000
2018-02-02Listed for sale$215,000
2005-04-28Sold$480,000

For Sale by Agent

AgentMichael Urti, Nest Realty
BrokerageNest Realty

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