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Dream Team United

| Dream Team United | Keller Williams Connected | PLACE

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515 N Topsail Dr , Surf City, NC 28445
$1,198,000
Est. Payment: $6,173.54/mo
4 Bed
3 Bath
2285 Sqft
Status: pending | Days on site: 77
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

New Price: $1,198,000 | Brand New HVAC, Pool Heater & Modern Coastal Oasis! Over $110k in Revenue Already Booked/Executed This Year! Discover coastal living at its finest in this elevated 4-bedroom, 3-bathroom, 2,285 sqft single-family home located in the heart of Surf City. Just a short walk to restaurants, shops, the pier, Intracoastal Waterway activities, and the pristine beaches of Topsail Island. The thoughtfully designed layout features decks off every level, delivering stunning ocean views from the living room and front upper deck, plus peaceful sound views from the back decks. Outdoor living shines in the fully fenced backyard oasis, complete with a private inground saltwater swimming pool, fire pit, covered decks and porch, outdoor shower, and convenient cargo lift. Recent Upgrades & Improvements: Brand new HVAC system for year-round comfort and efficiency New pool heater Newly epoxied garage floors for a clean, durable finish Freshly power washed exterior 2021 interior updates featuring luxury vinyl plank flooring in living areas and berber carpet in select bedrooms Inside, enjoy granite countertops in the kitchen, a spacious walk-in pantry, Rinnai tankless water heater, and a luxurious master suite with wet bar, expansive walk-in closet, and updated bathroom with walk-in tile shower. A flexible top-floor guest room includes a built-in Murphy bed and desk--ideal for a home office. The versatile bottom-floor room easily converts into a 5th bedroom, private apartment, or additional office. An outdoor elevator provides effortless access between all levels. This home is served by highly rated Pender County Schools, including Surf City Elementary and Middle, and Topsail High School. Outstanding STR Investment or Second-Home Potential This prime ocean-side location, combined with the private saltwater pool and fire pit (major guest favorites), panoramic water views, multiple decks, cargo lift, and recent mechanical/upkeep improvements, positions the property exceptionally well for strong short-term rental income or effortless use as a beach second home. These features support premium nightly rates, high occupancy, and year-round appeal in Surf City's desirable rental market while keeping maintenance low. Whether you're looking for a primary residence, vacation home, or high-performing investment property, this turn-key coastal gem offers unbeatable proximity to the ocean and island lifestyle at the new price of $1,198,000.

Highlights

Listed by Andrew Davis , 910-448-7381 REAL Broker LLC , 919-348-2585. Hive MLS mls logo

Property Type

Residential

Lot/Acreage
0.12

Year Built

2004

County

Pender

Neighborhood

Not In Subdivision

Listing ID

100569532

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Mini Refrigerator, Refrigerator, Ice Maker, Disposal, Dishwasher, Electric Range
Air Cond:Central Air
Fireplaces:
Floor:LVT/LVP,Carpet,Tile
Other:Walk-in Closet(s),Entrance Foyer,Kitchen Island,Ceiling Fan(s),Elevator,Furnished,Pantry,Reverse Floor Plan,Walk-in Shower,Blinds/Shades,Walk-In Closet(s)
Other:Public

Exterior Features

Lot:Third Row,Fencing: Wood
Lot Dimensions:50 x 106 x 49 x 106
Garage Capacity:2
Zoning:R
Roof:Architectural Shingle
Others:Outdoor Shower
Parking Features:Garage Faces Front,Concrete,Paved,Garage,Has Garage
Principal Interest
$6,174
Taxes
$764

Home Price

$1,198,000

Loan Details

30 yrs
6.683%

Down Payment

20%
$239,600
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:
$6,173.54

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,173.54 $763.72 $0.00 $6,937.27
Yearly $74,082.49 $9,164.70 $0.00 $83,247.19
Total $2,222,474.63 $274,941.00 $0.00 $2,497,415.63

Today's Rates

30 Year

6.68%

20 Year

6.55%

15 Year

6.13%

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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.

Information provided by Hive MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-02T05:40:16.000Z

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