515 N Topsail Drive
Surf City, NC, 28445 $ 1,198,000
Bedrooms4 Baths2.1 Sq 2,285 Monthly Estimate*
$ 7,564
for $1,198,000 with 4 bedrooms and 2 full baths, 1 half bath. This 2,285 square foot home was built in 2004 on a lot size of 0.12.
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.
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FeaturesGeneralLiving Area 2285.0
Heating Propane Fireplace(s) Electric Forced Air Heat Pump
Cooling Central Air
Utilities Sewer Connected Water Connected
Possession Close Of Escrow At Closing
Roof Architectural Shingle
Appliances Mini Refrigerator Refrigerator Ice Maker Disposal Dishwasher Electric Range
Zoning R
Garage Spaces 2.0
Patio/Porch Features Covered Deck Patio
Pool Features In Ground
Construction Materials Shake Siding Wood Frame
Year Built 2004
Style Contemporary
View Ocean Water
Levels Three Or More
Property Subtype Single Family Residence
Tax Year 2025
Taxes 4517.05
Parcel Number 4245-11-2227-0000
Waterfront Features Third Row
County Pender
Operating Expense 0.0
New Construction N
Property Type Residential
In City Limits? (Y/N) Y
HOA N
Attached Garage Y
Subdivision Name Not In Subdivision
Garage Y/N Y
Other Structures Shower
Total Rooms 12
Full Baths 2
Status Pending
Directions From Surf City Bridge go north and take your first right first left and the home will be down on the left hand side
High School Topsail
City Surf City
Lot Size Units Acres
Lot Size Square Feet 5053.0
Carport Spaces 0.0
Carport Y/N N
Elementary School North Topsail
Property Attached Y/N N
Land Lease Y/N N
Home Warranty Y/N Y
Middle/Junior High School Topsail
Lease Considered Y/N N
Virtual Tour https://listings.lighthousevisuals.com/sites/eygzwmkz/unbranded
Structure Type Wood Frame Stick Built
Living Area Units Square Feet
Standard Status Pending
Tax Assessed Value 364278
Tax Lot 10
Legal Description L 10 PB 3/45 SURF CITY
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InteriorInterior Amenities 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)
Basement None
Flooring LVT/LVP Carpet Tile
Furnished Y/N Furnished
Water Heater Electric Tankless
Master Bed Level Non Primary Living Area
Total Stories 3
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N N
Half Baths 1
Laundry Features In Hall
Total Bedrooms 4
Attic Features Pull-Down Stairs
Entry Level 2
Room Type Living Room Dining Area Master Bedroom Bedroom 2 Bedroom 3 Bedroom 4 Bathroom 1 Bathroom 2 Dining Room Laundry Bathroom 3
Total Baths 3
Living Area Range 2200 - 2399
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ExteriorExterior Amenities Outdoor Shower
Exterior Finish Shake Siding
Fencing Wood
Parking Features Garage Faces Front Concrete Paved Garage
Lot Features Third Row
Water Source Public
Total Parking 2.0
Lot Size Area 0.12
Foundation Details Slab
Spa N
Building Area Total 2285.0
Lot Dimensions 50 x 106 x 49 x 106
Lot Size Acres 0.12
Frontage Type See Remarks
Waterfront Y/N N
Road Frontage Type Maintained City Street State Road
Crops Included Y/N N
Horse Y/N N
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* Excluded FeaturesList ByAndrew DavisListing Agent
andrew@quietwatersrealtygroup.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $7,564
- Monthly Property Taxes
- $376
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.49% 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.
Learn more about how to save NearbySingle family listings in Surf City, NC
Average List Price $1,137,792
Percent of Sale Price 5%
About Surf City, NC 2,288 Population
45% Since 2002
$ 63,110 Median Income
44.02 Median Age
12% Households with Children
Trends Information provided by ATTOM Data Solutions.
4719113 Elementary School
3960140 Middle School
Topsail High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 6/17/2026 | $1,198,000 | -13.75% | Price Down |
| 4/25/2026 | $1,389,000 | | Listed Price |