106 N Oak Drive Surf City, NC $ 1,225,000
106 N Oak Drive
$ 1,225,000
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106 N Oak Drive

Surf City, NC, 28445
$ 1,225,000
Bedrooms5 Baths3.2 Sq 2,887

Monthly Estimate*

$ 7,543

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Single Family Home for sale in Surf City, NC

for $1,225,000 with 5 bedrooms and 3 full baths, 2 half baths. This 2,887 square foot home was built in 2020 on a lot size of 0.15.

Welcome to Island Oaks, one of Topsail Island's most coveted neighborhoods, where coastal living truly lives up to its name. Located third row from the beach, and tucked within the Live Oaks this stunning beach house offers a large living space, sweeping ocean and sound views that steal the show--sunrises, sunsets, and salty breezes included. Perfectly positioned in a private, oak-lined community, owners enjoy direct water access with a neighborhood boat ramp, making days on the Intracoastal just as effortless as mornings on the beach. Whether you're boating, paddleboarding, or casting a line, this location is a dream for water lovers. The home features amazing decks on every level, providing multiple outdoor spaces to relax, entertain, and fully embrace island life from sunrise coffee to sunset cocktails. Adding exceptional versatility, the property includes separate ground-floor living quarters complete with a full bath and kitchen--ideal for guests, extended family, or private overflow space. Peaceful, private, and rich in coastal charm, this property offers the rare blend of natural beauty, exclusive amenities, and true Topsail Island lifestyle. A special opportunity to own in Island Oaks--where timeless oaks, tranquil waters, and unforgettable views come together. Professional Photos and Floor Plan coming.

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Single Family Active

Price

$ 1,225,000

Bedrooms

5

Full Bath

3

Half Bath

2

Property Type

Single Family

Taxes

$ 5,307

Style

Single Family Residence

Lot Size

0.15

Year Built

2020

Town/City

Surf City

County/Region

Onslow

MLS | Web ID

100551394

Features
General
Living Area 2887.0
Heating Electric Zoned
Cooling Zoned
Utilities Sewer Connected Water Connected
Possession Close Of Escrow At Closing
Roof Shingle
Appliances Electric Oven Refrigerator Dryer Dishwasher
Zoning INCORP
HOA Fee 150.0
Patio/Porch Features Open Covered Deck Porch Front Porch Rear Porch
Construction Materials Fiber Cement Wood Frame
Year Built 2020
View ICW Marsh Ocean Sound Water
Levels Three Or More
Property Subtype Single Family Residence
Tax Year 2023
Taxes 5307.29
Parcel Number 4224-92-8324-0000
Waterfront Features Boat Ramp Deeded Beach Access Deeded Water Access Third Row Water Access Comm
Assoc Fee Paid Per Annually
County Pender
Operating Expense 0.0
New Construction N
Property Type Residential
In City Limits? (Y/N) Y
Association Amenities Waterfront Community Beach Access Maintenance Common Areas Maintenance Roads Ramp Street Lights Taxes
HOA Y
Attached Garage Y
Subdivision Name Island Oaks
Garage Y/N N
Total Rooms 10
Full Baths 3
Status Active
Directions From NC - 50 South. At traffic circle continue straight onto NC-210/NC-50/ Surf City Bridge. Keep right to continue onto S Topsail Drive. Turn right onto Sound Dr. Turn right onto N Oak Dr. 10
High School Topsail
City Surf City
Association Name Island Oaks HOA
Lot Size Units Acres
Lot Size Square Feet 6534.0
Carport Spaces 0.0
Carport Y/N N
Elementary School Surf City
Property Attached Y/N N
Land Lease Y/N N
Showing Instructions 24 Hour Notice Appt Required
Home Warranty Y/N N
Middle/Junior High School Surf City
Lease Considered Y/N N
Structure Type Wood Frame Stick Built
Living Area Units Square Feet
Standard Status Active
Tax Assessed Value 428007
Legal Description LT 14 PB 23/35 ISLAND OAKS
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Interior
Interior Amenities Walk-in Closet(s) Vaulted Ceiling(s) Entrance Foyer 2nd Kitchen Apt/Suite Ceiling Fan(s) Walk-in Shower Blinds/Shades Walk-In Closet(s)
Flooring LVT/LVP Carpet Tile
Furnished Y/N Negotiable
Water Heater Electric
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 2
Laundry Features Laundry Closet
Total Bedrooms 5
Room Type Living Room Dining Area Bedroom 1 Dining Room Laundry Bedroom 2 Bedroom 3 Master Bedroom Bedroom 5 Studio
Total Baths 5
Living Area Range 2800 - 2999
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Exterior
Exterior Amenities Outdoor Shower
Exterior Finish Fiber Cement
Fencing None
Parking Features Attached
Lot Features Wooded Boat Ramp Deeded Beach Access Deeded Water Access Third Row Water Access Comm
Water Source Public
Total Parking 0.0
Lot Size Area 0.15
Foundation Details Other Pilings
Spa N
Building Area Total 2887
Lot Dimensions 50x130
Lot Size Acres 0.15
Road Surface Type Paved
Frontage Type See Remarks
Waterfront Y/N N
Road Frontage Type Private Road Paved
Crops Included Y/N N
Horse Y/N N
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Internal Only
Street Number 1 106
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* Excluded Features
List By
Garrett D Cox

Listing Agent

Coastal Realty Associates Llc

Broker

garrettdc3@gmail.com

Email

Affordability Calculator

$7,985
Per Month
94%
6%
0%
Monthly Principal & Interest
$7,543
Monthly Property Taxes
$442
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% 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
1/26/2026$1,225,000 Listed Price

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106 N Oak Drive, Surf City, NC, 28445 is a Single Family Home for sale at $1,225,000 with 2,887 sqft and a lot size of 0.15. 106 N Oak Drive has 5 bedrooms, 3.2 baths, and was built in 2020. The property's zip code is 28445 which is in Surf City, NC