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104 SE 5th Street, Oak Island, NC, 28465

2beds
2baths
972sqft
$450,000
$463price/sqft
$2,698/moest. monthly cost
$107,920/yrincome needed

About This Home

FULLY RENOVATED COASTAL COTTAGE! TANKLESS WATER HEATER! LVP THROUGHOUT! QUARTZ COUNTERTOPS! This classic Oak Island beach cottage has been completely renovated with nothing left untouched, blending timeless coastal charm with a clean, move-in ready finish. Tongue-and-groove ceilings add warmth and character, while the refreshed interior offers an easy, low-maintenance layout suited for everyday living or a relaxed coastal retreat. LVP flooring runs throughout, complemented by quartz countertops, coastal-inspired light fixtures, and under-cabinet lighting for a polished, cohesive feel. The kitchen features KitchenAid appliances, including a 5-burner gas range, designed for both function and style. A Rinnai tankless water heater adds modern efficiency and convenience. A large primary bedroom offers added comfort with two closets for ample storage. The screened porch extends the living space outdoors, creating a comfortable setting to unwind or gather while enjoying the coastal breeze. Outside, the property truly shines with a beautifully maintained yard shaded by mature live oaks and enhanced by thoughtful landscaping that creates a welcoming, private outdoor setting. Features include an outdoor shower, double gates at both the front and side for easy access, and a separate dog run/yard for pets. An 11x24 storage building with electricity offers exceptional flexibility, with two separate sides, one of which is temperature-controlled with AC--ideal for hobbies, storage, or workspace needs. Easy beach access and a short stroll to the shoreline make it simple to enjoy everything coastal living has to offer. Well-positioned for a primary residence, second home, or investment opportunity, this property offers updated condition, outdoor appeal, and lasting value in a charming beach setting where you can relax, it'll be a breeze.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

9/10
Southport ElementaryGrades K-57.1 mi
3/10
South Brunswick MiddleGrades 6-88.7 mi
4/10
South Brunswick HighGrades 9-129.0 mi

Construction

Condition

  • Year built: 1972

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven,Washer,Refrigerator,Dryer,Tankless Water Heater,Gas Range
  • Laundry features: Dryer Hookup,Washer Hookup,In Kitchen

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Vaulted Ceiling(s),Solid Surface,Kitchen Island,Ceiling Fan(s),Walk-in Shower,Blinds/Shades,Eat-in Kitchen,Whole House Fan
  • Window features: Thermal Windows
  • Flooring: LVT/LVP

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Central Air,Whole House Fan,Ceiling Fan(s)

Interior Area

  • Total structure area: 972
  • Total interior livable area: 972 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 235ir01101
  • Zoning: Ok-R-6
  • Special condition: Standard

Features

  • Levels: One
  • Pool features: None
  • Patio & porch: Porch,Screened
  • Exterior features: Outdoor Shower
  • Fencing: Back Yard,Wood,Fenced
  • Has view: Yes
  • View description: See Remarks
  • Waterfront features: None
  • Frontage type: See Remarks
  • Living area range: 800 - 999

Lot

  • Lot size: 6,534 sqft
  • Features: Landscaped
  • Lot size dimensions: 56 x 120 x 56 x 120

Parking

  • Parking features: Concrete,Off Street,Paved

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 $2,275$27,300
Home Insurance *$84$1,008
Property Taxes $139$1,668
Electricity $200$2,405
Total$2,698$32,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,502/yr
40% on housing$80,940/yr
45% on housing$71,946/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

$463This 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
2026-05-07Listed for sale$450,000
2017-12-05Sold$171,500
2017-10-30Pending sale$179,000
2017-09-29Listed for sale$179,000
2013-08-30Sold$147,500
2013-06-22Listed for sale$160,000

For Sale by Agent

AgentCarolina Coastal Group
BrokerageNorthrop Realty

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