Before you read another word, here is the number that changes everything: 2.625%. This home carries an assumable VA loan with a remaining balance of approximately $463,000 at 2.625%. In today's rate environment that is an extraordinary opportunity for a qualified buyer. Ask your lender to run the numbers. The savings speak for themselves. Now, about the home itself. Some homes you tour. Some homes you feel. 377 Spicer Lake Drive is the second kind. Set inside the private gates of Summerhouse on Everett Bay, one of coastal North Carolina's most celebrated resort communities and voted Top 100 Place to Live by Ideal Living Magazine, this immaculate craftsman home sits near Spicer Lake, the largest lake in the community, and delivers the kind of lifestyle most people only experience on vacation. The floor plan is thoughtfully designed for real life. Three bedrooms and two full baths occupy the main floor, keeping daily living easy and accessible. Upstairs, a generous bonus room with a dedicated office nook built into the front dormer and a full third bathroom creates a completely flexible space for remote work, guests, a media room, or a teen suite. Every surface is neutral, clean, and genuinely move-in ready. The upgrades go well beyond cosmetic. The original back porch was professionally converted to a heated and cooled sunroom, adding true year-round living space. A $25,000 saltwater hot tub conveys. Whole home water filtration. The backyard is fully fenced. A playset stays. The garage features a polished epoxy floor. The entire home presents in immaculate, like-new condition. Then there is the community, and Summerhouse on Everett Bay deserves its own paragraph. Nestled along the Intracoastal Waterway between Surf City and North Topsail Beach, Summerhouse wraps its residents in resort amenities that are genuinely extraordinary. The two-story clubhouse, which has hosted weddings, retirement celebrations, and family reunions, features vaulted ceilings, walls of windows, multiple fireplaces, oversized lounge seating, a full catering kitchen, an expansive library, and a billiards room. A lazy river and resort-style pool complex adjoin the building. Beyond the clubhouse: a fully equipped 24 hour fitness center with lockers and showers, two tennis and pickleball courts, an open air pavilion, a nature park with fire pit, a children's playground, six scenic lakes with walking bridges and gazebos, 18 miles of walking and biking trails, boat storage, a day dock on the Intracoastal Waterway, a small vessel launch on Kings Creek, and a kayak launch. Boaters, cyclists, kayakers, anglers, and sunrise walkers all find their people here. Less than 30 minutes to Wilmington. Minutes to Topsail Beach. No city taxes. Gated and secure. This is not just a home. This is a complete coastal lifestyle, offered at a rate that no longer exists anywhere else on the market.