$823,500
3 bd · 3 ba · 1,568 sq ft
109 Sea Urchin Court
Surf City, NC, 28445 · Island Oaks
Listed 33 days ago
Listed by Intracoastal Realty Corporation
About this home
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.
Facts
- Type
- Single Family Residence
- Year built
- 1996
- Lot
- 0.2 acres
- Garage
- 1 space
- HOA
- $375 / annually
- Community
- Island Oaks
- County
- Pender
- MLS #
- 100595518
Features
Inside
- Entrance Foyer
- Apt/Suite
- Ceiling Fan(s)
- Pantry
- Reverse Floor Plan
- Vented Exhaust Fan
- Refrigerator
- Range
- Disposal
- Dishwasher
Outside
- Outdoor Shower
- Cul-De-Sac
- Wooded
- Boat Ramp
- Deeded Water Access
- Sound Side
- Water Access Comm
- Ocean
Community
- Waterfront Community
- Beach Access
- Beach Rights
- Boat Dock
- Maintenance Common Areas
- Maintenance Roads
- Park
- Picnic Area
- Ramp
- Cable TV
Parking
- Garage Faces Front
- Concrete
- Garage
Heating & cooling
- Heat Pump
- Electric
- Forced Air
- Central Air
Schools
- Elementary
- North Topsail
- Middle
- Topsail
- High
- Topsail
As listed in the MLS. School assignments can change — confirm with the district for this address.
Monthly payment estimate
$5,354/mo
- Principal & interest (30-yr fixed)$4,906
- Property taxes (2025 bill)$417
- HOA dues$31
Estimate only. Rate is the national 30-year average (6.95% as of Sep 17, 2026, Freddie Mac); your rate depends on your lender. Homeowners and flood insurance aren't included — on the coast they vary a lot by house, so get a quote early.
Recent sales like this nearby
| Home | Sold | Bd / Ba | Sq ft | Price | $ / sq ft |
|---|---|---|---|---|---|
| 1826 S Shore Drive, Surf City | Aug 24, 2026 | 3 / 2 | 1,845 | $930,000 | $504 |
| 2105 S Shore Drive, Surf City | Apr 30, 2026 | 3 / 3 | 1,600 | $860,000 | $538 |
| 104 Sunset Court, Surf City | Sep 1, 2026 | 4 / 4 | 1,943 | $790,000 | $407 |
| 123 Coastal Cay, Surf City | Apr 15, 2026 | 4 / 3 | 1,574 | $750,000 | $476 |
Similar size and type, sold in the last 6 months. From Hive MLS records; deemed reliable, not guaranteed.
Buying in Surf City? Local guides
- One-Story and Primary-on-Main Homes on the Southeastern NC CoastWhere the one-level homes are from Wilmington to Calabash, what they cost town by town, and what to check before you buy — from current MLS listings.
About 109 Sea Urchin Court
109 Sea Urchin Court is a 3-bedroom, 3-bath home of about 1,568 square feet, built in 1996, on 0.2 acres in Island Oaks, Surf City, Pender County, NC 28445.
At $823,500, it's 18% above the median asking price ($700,000) of the 27 other 3-bedroom listings for sale in Surf City today.
That's about $525 per square foot, compared with a Surf City median of $441.
1 home sold there in the last 12 months at a median of $1,430,000, typically in about 81 days.
Across ZIP 28445, 402 3-bedroom homes sold in the past year at a median of $323,000.
It has been on the market for 34 days.
Island Oaks neighborhood guideHomes for sale in Surf CityPender County homes
Buying 109 Sea Urchin Court
- See it in person. Pick a time and we'll call to confirm — often same day.
- Talk numbers. Tell us what you'd like to offer. It's non-binding — a licensed agent calls you before anything is written.
- Have a home to sell first? Our guaranteed sale lets you buy with a firm plan for your current home. How it works
Own a home near 109 Sea Urchin Court? See what it's worth — every online estimate side by side, next to real sales in Island Oaks.
What's my home worth? →Questions about 109 Sea Urchin Court
How much is 109 Sea Urchin Court?
109 Sea Urchin Court is listed at $823,500 (about $525 per square foot) as of September 23, 2026. Status: for sale.
How many bedrooms and bathrooms does 109 Sea Urchin Court have?
3 bedrooms and 3 bathrooms, with about 1,568 square feet.
What neighborhood is 109 Sea Urchin Court in?
Island Oaks, in Surf City, Pender County, North Carolina.
How long has 109 Sea Urchin Court been on the market?
34 days. Homes in Island Oaks sold after a median of 81 days over the past year.
What have homes sold for in Island Oaks?
1 home sold in Island Oaks in the last 12 months, at a median price of $1,430,000.
Does 109 Sea Urchin Court have an HOA fee?
Yes: $375 (annually), per the MLS.
When was 109 Sea Urchin Court built?
1996.
Who is the listing broker for 109 Sea Urchin Court?
Intracoastal Realty Corporation (MLS #100595518). The Buddy Blake Team can show it to you and answer questions.
Can I tour 109 Sea Urchin Court?
Yes. Tap “Schedule a tour,” pick a time, and we'll call to confirm — or call or text (910) 395-1000.