Agent profile image in chat bubble
Agent profile image in chat header

Dream Team United

| Dream Team United | Keller Williams Connected | PLACE

Agent profile image in message

109 Sea Urchin Ct , Surf City, NC 28445
$823,500
Est. Payment: $1,830.00/mo
3 Bed
3 Bath
1568 Sqft
Status: Active | Days on site: 35
Get Pre-Qualified
579502800 - 579517848
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from , its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.

House Description

Island Oaks coastal living with DUAL INVESTMENT POTENTIAL! This 3-bedroom Surf City home features a reverse floor plan designed to capture natural light, coastal breezes, and beautiful ocean views, with an open-concept kitchen, dining, and living area perfect for gathering family and friends. A standout feature for both homeowners and investors is the additional downstairs studio/in-law suite with a combo washer/dryer, kitchenette and bathroom creating the potential for flexible living arrangements and dual rental opportunities. (Rental history for suite available upon request) Located in desirable Island Oaks, residents enjoy community beach access plus a community boat ramp with deep-water access to the Intracoastal Waterway, putting beach days, boating, fishing, and island adventures right outside your door. Whether you're looking for a full-time coastal residence, vacation getaway, multigenerational home, or investment property, this home offers the flexibility, location, and lifestyle to make the most of Topsail Island living.

Highlights

Listed by Meredith S Marchant , 757-617-9758 Intracoastal Realty Corporation , 910-319-7556.

Property Type

Residential

Lot/Acreage
0.2

HOA Fee

375 Annually

Year Built

1996

County

Pender

Neighborhood

Island Oaks

Listing ID

100595518

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Vented Exhaust Fan, Refrigerator, Range, Disposal, Dishwasher
Air Cond:Central Air,Heat Pump
Fireplaces:
Other:
  • Additional:Entrance Foyer, Apt/Suite, Ceiling Fan(s), Pantry, Reverse Floor Plan
Water:Public

Exterior Features

Lot:Cul-De-Sac,Wooded,Boat Ramp,Deeded Water Access,Sound Side,Water Access Comm,Fencing: None
Lot Dimensions:22x122x122x161
Garage Capacity:3
Zoning:INCORP
Roof:Metal
Others:
  • Additional:Outdoor Shower
Parking Features:Garage Faces Front,Concrete,Garage,Has Garage
Principal Interest
$1,830
Taxes
$525
HOA
$375

Home Price

$823,500

Loan Details

30 yrs
%

Down Payment

20%
$164,700
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,830.00

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,830.00 $524.98 $375.00 $2,729.98
Yearly $21,960.00 $6,299.78 $4,500.00 $32,759.77
Total $658,800.00 $188,993.25 $135,000.00 $982,793.25

Today's Rates

30 Year

0%

20 Year

0%

15 Year

0%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Sep 2026

Average Price

All Price Ranges
N/A
Sep 2026

Average Days on Market

All Price Ranges
N/A
Sep 2026
Market insight data is pulled from the same city as the listing being viewed (Surf City, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.