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127 NW 10th Street, Oak Island, NC, 28465

2beds
1baths
864sqft
$335,000
$388price/sqft
$2,043/moest. monthly cost
$81,720/yrincome needed

About This Home

Coastal charm meets modern updates in this Oak Island cottage. This thoughtfully updated home offers 2 bedrooms and 1 bath across 864 heated sq. ft., designed for easy coastal living. Step inside to find an open floor plan with vaulted ceilings that make the home feel bright and spacious, complemented by durable LVP flooring throughout. The renovated kitchen features quartz countertops, updated cabinetry, and plenty of prep space, making it both stylish and functional. The updated and renovated bathroom includes a tiled walk-in shower, adding comfort and convenience to the design. Outdoor living is just as inviting, with a front deck framed by vinyl fencing, perfect for morning coffee or evening relaxation. An outdoor hot/cold shower makes rinsing off after a day at the beach easy, while two backyard storage buildings provide ample room for beach gear, yard tools, or hobbies. Situated just minutes from Oak Island's beaches, shops, and local dining, this home combines modern updates with classic beach-town charm. Whether you're looking for a primary residence, a weekend retreat, or an investment property, this home is ready to welcome you. Schedule your showing today and see what makes this coastal cottage special.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

9/10
Southport ElementaryGrades K-58.0 mi
3/10
South Brunswick MiddleGrades 6-89.1 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Freezer,Washer,Refrigerator,Range,Ice Maker,Dryer
  • Laundry features: Dryer Hookup,Washer Hookup,In Hall

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Vaulted Ceiling(s),Walk-in Shower
  • Door features: Storm Door(s)
  • Flooring: LVT/LVP

Heating & Cooling

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

Interior Area

  • Total structure area: 864
  • Total interior livable area: 864 sqft

Property

Details

  • Parcel number: 234fd011
  • Zoning: Residental
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Open,Deck
  • Exterior features: Outdoor Shower,Storm Doors
  • Fencing: Back Yard,Vinyl,Wood,Front Yard
  • Living area range: 800 - 999

Lot

  • Lot size: 6,534 sqft
  • Features: Front Yard,Wooded
  • Lot size dimensions: 55 x 120

Parking

  • Total spaces: 2
  • Parking features: Unpaved,Off Street,On Site
  • Has uncovered spaces: Yes
  • Uncovered 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

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

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Inland 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 $1,693$20,316
Home Insurance *$62$744
Property Taxes $88$1,056
Electricity $200$2,405
Total$2,043$24,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,045/yr
40% on housing$61,290/yr
45% on housing$54,480/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

$388This listing

vs Other Active Listings

Avg $/sqft

ZIP 28465$407
Brunswick County$271

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
2026-04-25Price change$335,000
2025-10-05Listed for sale$365,000
2019-01-24Sold$165,800
2018-12-28Pending sale$169,900
2018-11-29Listed for sale$169,900
2016-10-14Listing removed$155,000
2016-08-16Price change$155,000
2016-05-28Listed for sale$164,500
2006-04-19Sold$198,000

For Sale by Agent

AgentKim Skipper Anderson
BrokerageArt Skipper Realty Inc.

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