1103 S Topsail Drive Surf City, NC $ 895,000
1103 S Topsail Drive
$ 895,000
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1103 S Topsail Drive

Surf City, NC, 28445
$ 895,000
Bedrooms3 Baths2.1 Sq 1,941

Monthly Estimate*

$ 5,584

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Single Family Home for sale in Surf City, NC

for $895,000 with 3 bedrooms and 2 full baths, 1 half bath. This 1,941 square foot home was built in 1999 on a lot size of 0.28.

Experience Coastal Luxury with No HOA - Wake up to breathtaking panoramic views of the Intracoastal Waterway from the comfort of your own home. Thoughtfully designed to capture natural light and scenic vistas, this residence features two striking bay windows that perfectly frame the water's beauty. Inside, ¾'' solid oak hand-scraped floors bring warmth, elegance, and durability throughout the living spaces. Step outside to the spacious wrap-around porch, ideal for entertaining guests, enjoying coastal sunsets, or simply relaxing in your private retreat. Situated on an expansive double lot with no HOA, this property offers exceptional flexibility—ample space for a pool, garden, or the opportunity to build an attached home or duplex for added investment potential. Just steps away, Beach Access #24 invites you to sink your toes in the sand and enjoy the ultimate coastal lifestyle. Whether you're seeking a primary residence, vacation escape, or investment opportunity, this Surf City treasure on Topsail Island delivers the perfect combination of sophistication, comfort, and freedom—all with no HOA restrictions.

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Single Family Active

Price

$ 895,000

Bedrooms

3

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 4,359

Style

Single Family Residence

Lot Size

0.28

Year Built

1999

Town/City

Surf City

County/Region

Onslow

MLS | Web ID

100535600

Features
General
Living Area 1941.0
Heating Heat Pump
Cooling Heat Pump
Utilities Sewer Available Water Available
Possession Close Of Escrow At Closing
Roof Architectural Shingle
Appliances Electric Oven Washer Refrigerator Ice Maker Dryer Disposal Dishwasher
Zoning R5
Garage Spaces 0.0
Patio/Porch Features Covered Deck Patio Wrap Around
Pool Features None
Security Features Smoke Detector(s)
Construction Materials Fiber Cement
Year Built 1999
View ICW Water
Stories Count 2
Levels Two
Property Subtype Single Family Residence
Tax Year 2023
Taxes 4359.11
Parcel Number 4234-46-5466-0000
Waterfront Features None
County Pender
Operating Expense 0.0
New Construction N
Property Type Residential
In City Limits? (Y/N) Y
Association Amenities Beach Access
HOA N
Attached Garage N
Subdivision Name Sunset Harbor
Garage Y/N N
Other Structures Storage
Total Rooms 7
Full Baths 2
Status Active
Directions Hwy 17 N Hwy 210 E NC 50 over Surf City bridge S Topsail Dr. Home on right. Please enter with your clients in the front of house facing Intracoastal by turning Right on Sunset Dr. then Right on N Har
High School Topsail
City Surf City
Open Parking Spaces 3
Lot Size Units Acres
Lot Size Square Feet 12371.0
Carport Spaces 0.0
Carport Y/N N
Green Building Verification Type None
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
Virtual Tour https://my.matterport.com/show/?m=bPuKdmcwcC3
Structure Type Wood Frame
Living Area Units Square Feet
Standard Status Active
Tax Assessed Value 351541
Legal Description L13 PB REV 32/42 Sunset Harbor
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Interior
Interior Amenities Kitchen Island Pantry Blinds/Shades
Flooring Tile Wood
Furnished Y/N Unfurnished
Water Heater Electric
Fireplace Features None
Master Bed Level Primary Living Area
Basement (Y/N) N
Air Conditioning Y/N N
Heating Y/N Y
Fireplace Y/N N
Half Baths 1
Laundry Features Laundry Closet
Total Bedrooms 3
Attic Features Access Only
Room Type Bathroom 2 Bathroom 3 Bedroom 2 Bedroom 3 Dining Room Dining Area Living Room Bathroom 1 Master Bedroom Family Room
Unit Type 3 Bedroom
Total Baths 3
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Exterior
Exterior Amenities Outdoor Shower
Exterior Finish Fiber Cement
Fencing Back Yard Wood
Parking Features None
Water Source Public
Total Parking 0.0
Lot Size Area 0.28
Foundation Details Other Pilings
Spa N
Building Area Total 1941
Lot Dimensions 100 x 125
Lot Size Acres 0.28
Road Surface Type Paved
Waterfront Y/N N
Road Frontage Type City Street State Road Paved
Crops Included Y/N N
Horse Y/N N
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Internal Only
Street Number 1 1103
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* Excluded Features
List By
Quanda Hudson Purnsley

Listing Agent

Coldwell Banker Sea Coast Advantage

Broker

quandahudsonpurnsley@Seacoastrealty.com

Email

Affordability Calculator

$5,947
Per Month
94%
6%
0%
Monthly Principal & Interest
$5,584
Monthly Property Taxes
$363
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
10/10/2025$895,000 Listed Price

Map


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1103 S Topsail Drive, Surf City, NC, 28445 is a Single Family Home for sale at $895,000 with 1,941 sqft and a lot size of 0.28. 1103 S Topsail Drive has 3 bedrooms, 2.1 baths, and was built in 1999. The property's zip code is 28445 which is in Surf City, NC