109 Sea Urchin Court Surf City, NC $ 850,000
109 Sea Urchin Court
$ 850,000
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109 Sea Urchin Court

Surf City, NC, 28445
$ 850,000
Bedrooms4 Baths2.2 Sq 1,964

Monthly Estimate*

$ 5,234

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Single Family Home for sale in Surf City, NC

for $850,000 with 4 bedrooms and 2 full baths, 2 half baths. This 1,964 square foot home was built in 1995 on a lot size of 0.2.

Tucked beneath a canopy of mature live oaks in the maritime forest, this coastal retreat is located in the highly desirable soundside community of Island Oaks on Topsail Island. The neighborhood offers both beach access and a community boat ramp with deep-water access to the Intracoastal Waterway, making it ideal for boating, fishing, and all things coastal living. The main residence is a three-bedroom home designed with a reverse floor plan to maximize light, views, and outdoor living. The bedroom level includes the primary suite with a private bath, two additional bedrooms, a full guest bath, laundry area, generous storage, and a large screened porch - perfect for relaxing after a day at the beach. The upper level features the main living space with an open-concept living and dining area, a half bath, and a well-appointed kitchen with solid-surface countertops, ample cabinetry, and a pantry. An expansive deck off this level offers ocean views and captures the island breeze, creating an ideal setting for entertaining or unwinding. On the ground level, the home includes a spacious garage with room for vehicles, beach gear, and storage, along with a private separate living space that functions as a mother-in-law suite / ADU. This area includes its own kitchenette, living space, sleeping area, and bathroom with an attached outdoor shower. This space is entirely separate from the main living quarters and provides excellent flexibility for guests, extended family, or potential rental use. Recent updates include a metal roof (2021), new gutters (2021), upgraded windows (2022), all new heating and cooling systems (2024), and freshly painted kitchen cabinetry (2024). With access to both the ocean and the sound, multiple outdoor living areas, and flexible living spaces, this Island Oaks home is sure to check all of your boxes.

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Single Family Active

Price

$ 850,000

Bedrooms

4

Full Bath

2

Half Bath

2

Property Type

Single Family

Taxes

$ 4,558

Style

Single Family Residence

Lot Size

0.2

Year Built

1995

Town/City

Surf City

County/Region

Onslow

MLS | Web ID

100552067

Features
General
Living Area 1964.0
Heating Heat Pump Electric Forced Air
Cooling Central Air Heat Pump
Utilities Sewer Connected Water Connected
Possession Close Of Escrow At Closing
Roof Metal
Appliances Vented Exhaust Fan Refrigerator Range Disposal Dishwasher
Zoning INCORP
HOA Fee 300.0
Patio/Porch Features Covered Deck Screened Front Porch Rear Porch
Security Features Smoke Detector(s)
Construction Materials Fiber Cement
Year Built 1995
View Ocean
Levels Three Or More
Property Subtype Single Family Residence
Tax Year 2023
Taxes 4558.69
Parcel Number 4224-91-3829-0000
Waterfront Features Deeded Water Access 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 Beach Access Beach Rights Boat Dock Cabana Maintenance Common Areas Maintenance Roads Ramp Cable TV
HOA Y
Attached Garage N
Subdivision Name Island Oaks
Garage Y/N N
Total Rooms 4
Full Baths 2
Status Active
Directions Cross the Highrise Bridge take the first exit on the round about go south for roughly 2 miles then turn right on Sound Drive. Turn left on Oak Drive. take 2nd left on Sea Urchin Court. This home is a
High School Topsail
City Surf City
Association Name Island Oaks HOA
Lot Size Units Acres
Lot Size Square Feet 8712.0
Carport Spaces 0.0
Carport Y/N N
Elementary School Surf City
Property Attached Y/N N
Land Lease Y/N N
Showing Instructions Appt Required Vacant2
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 367636
Legal Description Lot 16 Island Oaks bk. 22 p 104
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Interior
Interior Amenities Entrance Foyer Apt/Suite Ceiling Fan(s) Pantry Reverse Floor Plan
Water Heater Electric
Master Bed Level Non Primary Living Area
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Window Features Thermal Windows
Fireplace Y/N N
Half Baths 2
Laundry Features In Hall Laundry Closet
Total Bedrooms 4
Attic Features Access Only
Room Type Master Bedroom Bedroom 1 Bedroom 2 Bedroom 3 Dining Room Dining Area Living Room
Unit Type 3 Bedroom Studio
Total Baths 4
Living Area Range 1800 - 1999
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Exterior
Exterior Amenities Outdoor Shower
Exterior Finish Fiber Cement
Fencing None
Parking Features Concrete Garage6
Lot Features Cul-De-Sac Wooded Deeded Water Access Sound Side Water Access Comm
Water Source Public
Total Parking 2.0
Lot Size Area 0.2
Foundation Details Other Pilings
Spa N
Building Area Total 1964
Lot Dimensions 29X117X117X156
Lot Size Acres 0.2
Road Surface Type Paved
Frontage Type See Remarks
Waterfront Y/N N
Road Frontage Type Private Road Maintained Paved
Crops Included Y/N N
Horse Y/N N
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Internal Only
Street Number 1 109
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* Excluded Features
List By
Tidal Realty Partners

Listing Agent

Real Broker Llc

Broker

info@tidalrealtypartners.com

Email

Affordability Calculator

$5,613
Per Month
93%
7%
0%
Monthly Principal & Interest
$5,234
Monthly Property Taxes
$380
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
1/30/2026$850,000 Listed Price

Map


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109 Sea Urchin Court, Surf City, NC, 28445 is a Single Family Home for sale at $850,000 with 1,964 sqft and a lot size of 0.2. 109 Sea Urchin Court has 4 bedrooms, 2.2 baths, and was built in 1995. The property's zip code is 28445 which is in Surf City, NC