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103 SE 76th Street, Oak Island, NC, 28465

2beds
1baths
775sqft
$575,000
$742price/sqft
$3,392/moest. monthly cost
$135,680/yrincome needed

About This Home

South side 🏖️recently renovated with new electrical, new water lines, new LVP flooring & ceramic tile, New cabinets & granite counters along with a fortified roof all in 2024 with fresh paint in 2026. Expansive front porch is conditioned! But not included in stated square footage. With the amazing beach of Oak Island right at the end of the street, this spacious open floor plan featuring 2 bedrooms, 1 bathroom, and outside storage building is the ideal extended vacation home. Spend your days after sun and sand on the beach lounging in the shade of the tree canopy, playing corn hole or walk to the pier for a day of fishing at the Town owned pier and enjoy a meal at the restaurant. Cozy and charming, and in an absolutely perfect location on the beachside, yet NOT in fema flood so lenders should not require flood insurance. Also convenient to restaurants and bridge to mainland. On an over-sized lot with beautiful trees, it's a precious little abode to come home to anytime or all the time! Could easily generate income as a vacation rental or choose to keep it all to yourself. The town of Oak Island offers numerous amenities such as golf, tennis, basketball, picnic area, boat launches & public docks & water accesses yet NO hoa fees!

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

9/10
Southport ElementaryGrades K-53.5 mi
3/10
South Brunswick MiddleGrades 6-87.3 mi
4/10
South Brunswick HighGrades 9-127.5 mi

Construction

Condition

  • Year built: 1968

Materials

  • Foundation: Slab
  • Roof: Architectural Shingle
  • Construction materials: Block

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Built-In Microwave,Dishwasher

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Blinds/Shades
  • Flooring: LVT/LVP,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 775
  • Total interior livable area: 775 sqft

Property

Details

  • Parcel number: 250bl009
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Enclosed,Porch
  • Exterior features: DP50 Windows
  • Fencing: None
  • Has view: Yes
  • View description: See Remarks
  • Frontage type: See Remarks
  • Living area range: 600 - 799

Lot

  • Lot size: 6,098 sqft
  • Features: Ocean Side
  • Lot size dimensions: 50 x 125

Parking

  • Parking features: Gravel,On Site

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 $2,907$34,884
Home Insurance *$107$1,284
Property Taxes $178$2,136
Electricity $200$2,405
Total$3,392$40,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,297/yr
40% on housing$101,760/yr
45% on housing$90,453/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

$742This listing

vs Other Active Listings

Avg $/sqft

ZIP 28465$405
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
2026-04-25Listed for sale$575,000
2024-07-25Listing removed--
2024-07-13Price change$4,000
2024-06-15Listed for rent$4,500
2023-12-07Sold$333,333
2023-11-20Pending sale$299,900
2023-11-18Listed for sale$299,900
2017-12-15Sold$180,000

For Sale by Agent

AgentKim Skipper Anderson
BrokerageArt Skipper Realty Inc.

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