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105 NE 3rd Street, Oak Island, NC, 28465

2beds
1baths
768sqft
$364,900
$475price/sqft
$2,225/moest. monthly cost
$89,000/yrincome needed

About This Home

Charming and well-kept beach cottage with original knotty pine ceilings, easy-care tile flooring, and a spacious screened porch. Open and bright kitchen, dining, and living room combo. Nice sized bedrooms with knotty pine walls. Full bath with walk-in shower. Solid block construction with a metal roof. Fenced back yard, outdoor shower, and shed with washer/dryer and storage. Not many of these original Oak Island gems left, and this one will steal your heart! Fully furnished and ready to be your peaceful and cherished retreat or a desirable investment property that others will love.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

9/10
Southport ElementaryGrades K-57.2 mi
3/10
South Brunswick MiddleGrades 6-88.7 mi
4/10
South Brunswick HighGrades 9-129.0 mi

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Block

Type & Style

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

Interior

Appliances

  • Appliances included: Washer,Refrigerator,Range,Dryer,Dishwasher
  • Laundry features: Dryer Hookup,Washer Hookup

Bedroom1

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Vaulted Ceiling(s),Ceiling Fan(s),Furnished,Walk-in Shower,Blinds/Shades
  • Flooring: Tile

Heating & Cooling

  • Heating features: Other,Electric
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 768
  • Total interior livable area: 768 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 234ec003
  • Zoning: R6
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Porch,Screened
  • Exterior features: Outdoor Shower
  • Fencing: Back Yard,Wood
  • Living area range: 600 - 799

Lot

  • Lot size: 6,969 sqft
  • Lot size dimensions: 57 x 120

Parking

  • Total spaces: 2
  • Parking features: Gravel,Off Street
  • 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 FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal 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 $1,845$22,140
Home Insurance *$68$816
Property Taxes $112$1,344
Electricity $200$2,405
Total$2,225$26,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,285/yr
40% on housing$66,750/yr
45% on housing$59,333/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

$475This 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
2026-02-15Price change$375,000
2025-09-21Listed for sale$399,000
2021-03-24Listing removed--
2018-06-28Listing removed$160,000
2018-06-28Listed for sale$160,000
2018-06-20Sold$160,000
2018-06-03Pending sale$160,000
2018-02-19Listed for sale$160,000
2015-02-18Sold$76,500
2014-12-12Listed for sale$82,500
2014-11-12Sold$133,301

For Sale by Agent

AgentDaniel Ward
BrokerageCoastal Lights Realty

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