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127 NW 18th Street, Oak Island, NC, 28465

2beds
2baths
1,352sqft
$465,000
$344price/sqft
$2,780/moest. monthly cost
$111,200/yrincome needed

About This Home

This 2 bedroom, 2 bath Cottage is Coastal Cute! Beautiful Live Oak trees and swing evoke southern charm. Plenty of room to spread out on 1.5 lots. You will love the home's curb appeal, open front porch, patio and gazebo. The oversized porch is inviting year round. The backyard has been fenced, so perfect for Fur babies. Double carport provides plenty of parking or extra usable entertaining space. Extra storage rooms are there for all the beach and fishing gear. The owner has added many touches! Located just 18 blocks from Middleton, this home is close to public beach accesses and the mainland. Would make a perfect year round residence or island retreat! The Town of Oak Island offers numerous amenities such as golf, tennis, basketball, picnic area, boat launches, public docks and water accesses yet no HOA fees! Are you ready for Beach Life? This home is ready for you! .

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Southport ElementaryGrades K-58.4 mi
3/10
South Brunswick MiddleGrades 6-89.4 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Crawl Space
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Dishwasher,Electric Range

Bedrooms & Bathrooms

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

Features

  • Master Downstairs,Ceiling Fan(s)
  • Flooring: Carpet,Tile,Wood,Ceramic Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 1,352
  • Total interior livable area: 1,352 sqft

Property

Details

  • Parcel number: 234fl013
  • Zoning: R-6
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Deck,Porch,See Remarks
  • Fencing: Chain Link
  • Has view: Yes
  • View description: See Remarks
  • Frontage type: See Remarks
  • Living area range: 1200 - 1399

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 82.5 x 120

Parking

  • Total spaces: 2
  • Parking features: Covered,On Site
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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 $2,351$28,212
Home Insurance *$86$1,032
Property Taxes $143$1,716
Electricity $200$2,405
Total$2,780$33,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,314/yr
40% on housing$83,400/yr
45% on housing$74,133/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

$344This listing

vs Other Active Listings

Avg $/sqft

ZIP 28465$406
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
2026-02-26Listed for sale$475,000
2018-04-12Sold$188,000
2005-07-20Sold$280,000

For Sale by Agent

AgentKim Skipper Anderson
BrokerageArt Skipper Realty Inc.

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