109 Sea Urchin Court Surf City, NC $ 823,500
109 Sea Urchin Court
$ 823,500
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109 Sea Urchin Court

Surf City, NC, 28445
$ 823,500
Bedrooms3 Baths2.1 Sq 1,568

Monthly Estimate*

$ 5,200

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Single Family Home for sale in Surf City, NC

for $823,500 with 3 bedrooms and 2 full baths, 1 half bath. This 1,568 square foot home was built in 1996 on a lot size of 0.2.

Island Oaks coastal living with DUAL INVESTMENT POTENTIAL! This 3-bedroom Surf City home features a reverse floor plan designed to capture natural light, coastal breezes, and beautiful ocean views, with an open-concept kitchen, dining, and living area perfect for gathering family and friends. A standout feature for both homeowners and investors is the additional downstairs studio/in-law suite with a combo washer/dryer, kitchenette and bathroom creating the potential for flexible living arrangements and dual rental opportunities. (Rental history for suite available upon request) Located in desirable Island Oaks, residents enjoy community beach access plus a community boat ramp with deep-water access to the Intracoastal Waterway, putting beach days, boating, fishing, and island adventures right outside your door. Whether you're looking for a full-time coastal residence, vacation getaway, multigenerational home, or investment property, this home offers the flexibility, location, and lifestyle to make the most of Topsail Island living.

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Single Family Active

Price

$ 823,500

Bedrooms

3

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 4,999

Style

Single Family Residence

Lot Size

0.2

Year Built

1996

Town/City

Surf City

County/Region

Onslow

MLS | Web ID

100595518

Features
General
Living Area 1568.0
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 375.0
Garage Spaces 1.0
Patio/Porch Features Covered Deck Screened Front Porch Rear Porch
Pool Features Hot Tub
Security Features Smoke Detector(s)
Construction Materials Wood Siding Wood Frame
Year Built 1996
View Ocean
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Taxes 4999.85
Parcel Number 4224-91-3829-0000
Waterfront Features Boat Ramp Deeded Water Access Sound Side 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 Beach Rights Boat Dock Maintenance Common Areas Maintenance Roads Park Picnic Area Ramp Cable TV
HOA Y
Attached Garage Y
Subdivision Name Island Oaks
Garage Y/N Y
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
High School Topsail
City Surf City
Association Name Island Oaks HOA
Lot Size Units Acres
Lot Size Square Feet 8886.0
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 N
Middle/Junior High School Topsail
Lease Considered Y/N N
Structure Type Wood Frame Stick Built
Living Area Units Square Feet
Standard Status Active
Tax Assessed Value 367636
Tax Lot 16
Legal Description Lt 16 Pb 22/104 Island Oaks
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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
Total Stories 2
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Window Features Thermal Windows
Fireplace Y/N N
Half Baths 1
Laundry Features In Hall Laundry Closet
Total Bedrooms 3
Attic Features Access Only
Entry Level 1
Room Type Master Bedroom Bedroom 2 Bedroom 3 Laundry Dining Room Dining Area Living Room Studio
Unit Type 3 Bedroom Studio
Total Baths 3
Living Area Range 1400 - 1599
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Exterior
Exterior Amenities Outdoor Shower
Exterior Finish Wood Siding
Fencing None
Parking Features Garage Faces Front Concrete Garage
Lot Features Cul-De-Sac Wooded Boat Ramp Deeded Water Access Sound Side Water Access Comm
Water Source Public
Total Parking 3.0
Lot Size Area 0.2
Foundation Details Other Pilings
Spa N
Building Area Total 1568.0
Lot Dimensions 22x122x122x161
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
Meredith S Marchant

Listing Agent

Intracoastal Realty Corporation

Broker

mmarchant@intracoastalrealty.com

Email

Affordability Calculator

$5,616
Per Month
93%
7%
0%
Monthly Principal & Interest
$5,200
Monthly Property Taxes
$417
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.
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Nearby
4719113 Elementary School
3960140 Middle School
Topsail High School High School
Pricing History
DatePricePrice ChangeDescription
8/11/2026$823,500 Listed Price

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109 Sea Urchin Court, Surf City, NC, 28445 is a Single Family Home for sale at $823,500 with 1,568 sqft and a lot size of 0.2. 109 Sea Urchin Court has 3 bedrooms, 2.1 baths, and was built in 1996. The property's zip code is 28445 which is in Surf City, NC