123 Coastal Cay Surf City, NC $ 785,000
123 Coastal Cay
$ 785,000
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123 Coastal Cay

Surf City, NC, 28445
$ 785,000
Bedrooms4 Baths3.0 Sq 1,574

Monthly Estimate*

$ 4,897

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Single Family Home for sale in Surf City, NC

for $785,000 with 4 bedrooms and 3 full baths. This 1,574 square foot home was built in 2011 on a lot size of 0.03.

Situated a short walk from the beach, this 4-bedroom, 3-bath beach house is part of the desirable soundfront community of Live Oaks at Topsail. Offering both sound and ocean views, this home is designed for comfort, style, and coastal living. Inside, you'll find an updated kitchen with breakfast bar, granite countertops, stainless steel appliances, tiled backsplash, and recessed lighting—perfect for everyday living or entertaining. The home also features new wood flooring in bedrooms, custom closet organizers, updated fans and fixtures, expanded trim, and vaulted ceilings that create a light and airy feel. A Culligan water filtration system adds convenience and peace of mind. Each of the home's 4 bedrooms enjoys direct access to one of multiple decks, ideal for soaking in the views and sea breeze. The ground level offers an enclosed garage with parking for up to three cars, a storage room, and a large outdoor shower—a must for beach living. Community amenities include a dock, kayak launch, swimming pool, courtyard and small clubhouse. With short-term rentals permitted, this home is a fantastic option for a primary residence, second home, or investment property. Recent updates include HVAC systems replaced in 2020 with maintenance plan and a termite bond in place for added value. Experience coastal living with all the benefits of a vibrant community and the convenience of move-in-ready updates.

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Single Family Active

Price

$ 785,000

Bedrooms

4

Full Bath

3

Property Type

Single Family

Taxes

$ 3,906

Style

Single Family Residence

Lot Size

0.03

Year Built

2011

Town/City

Surf City

County/Region

Onslow

MLS | Web ID

100533834

Features
General
Living Area 1574.0
Heating Heat Pump Electric Forced Air
Cooling Central Air Heat Pump
Utilities Cable Available Sewer Connected Water Connected
Possession Close Of Escrow At Closing
Roof Architectural Shingle
Appliances Electric Oven Electric Cooktop Built-In Microwave Water Softener Washer Refrigerator Range Dryer Double Oven Dishwasher
Zoning R10
HOA Fee 1840.0
Garage Spaces 3.0
Patio/Porch Features Deck Porch
Construction Materials Vinyl Siding
Year Built 2011
View ICW Marsh Ocean Sound
Stories Count 3
Levels Three Or More
Property Subtype Single Family Residence
Tax Year 2023
Taxes 3906.37
Parcel Number 4234-35-6681-0000
Waterfront Features Pier Deeded Waterfront Sound Side Water Access Comm
County Pender
Operating Expense 0.0
New Construction N
Property Type Residential
In City Limits? (Y/N) Y
Association Amenities Waterfront Community Billiard Room Boat Dock Clubhouse Community Pool Maintenance Common Areas Maintenance Grounds Management Owner Pets Only
HOA Y
Attached Garage N
Subdivision Name Live Oaks Of Topsail
Garage Y/N N
Total Rooms 6
Full Baths 3
Status Active
Directions Take the Surf City Bridge onto island then right onto S Topsail Dr. Follow just over 1 mile and turn right into community on Coastal Cay. Please park in driveway (2 spaces) or on rocks to left side
High School Topsail
City Surf City
Association Name Live Oaks of Topsail
Lot Size Units Acres
Lot Size Square Feet 1220.0
Carport Spaces 0.0
Carport Y/N N
Elementary School Surf City
Property Attached Y/N N
Land Lease Y/N N
Home Warranty Y/N N
Middle/Junior High School Surf City
Lease Considered Y/N N
Structure Type Wood Frame
Living Area Units Square Feet
Standard Status Active
Tax Assessed Value 315030
Legal Description Unit 2 Pb 45/34 Live Oak
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Interior
Interior Amenities Vaulted Ceiling(s) High Ceilings Solid Surface Ceiling Fan(s) Reverse Floor Plan Blinds/Shades
Basement Unfinished
Flooring Tile Wood
Furnished Y/N Unfurnished
Water Heater Electric
Fireplace Features None
Master Bed Level Non Primary Living Area
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N N
Half Baths 0
Total Bedrooms 4
Room Type Master Bedroom Bedroom 2 Bedroom 3 Bedroom 4 Living Room Dining Room Dining Area Utility Room
Unit Type 4 Bedroom Or More
Total Baths 3
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Exterior
Exterior Amenities Outdoor Shower
Exterior Finish Vinyl Siding
Fencing None
Parking Features Garage Faces Front On Site
Lot Features Deeded Waterfront Pier Sound Side Water Access Comm
Total Parking 3.0
Lot Size Area 0.03
Foundation Details Other Pilings
Spa N
Building Area Total 1574
Lot Dimensions 24x50
Lot Size Acres 0.03
Road Surface Type Paved
Waterfront Y/N N
Road Frontage Type Paved
Crops Included Y/N N
Horse Y/N N
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Internal Only
Street Number 1 123
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* Excluded Features
List By
Joel Sheesley

Listing Agent

Coldwell Banker Sea Coast Advantage

Broker

JoelSheesley@SeaCoastRealty.com

Email

Affordability Calculator

$5,223
Per Month
94%
6%
0%
Monthly Principal & Interest
$4,897
Monthly Property Taxes
$326
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
4735527 Elementary School
4736970 Middle School
Topsail High School High School
Pricing History
DatePricePrice ChangeDescription
10/1/2025$785,000 Listed Price

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123 Coastal Cay, Surf City, NC, 28445 is a Single Family Home for sale at $785,000 with 1,574 sqft and a lot size of 0.03. 123 Coastal Cay has 4 bedrooms, 3.0 baths, and was built in 2011. The property's zip code is 28445 which is in Surf City, NC