Coldwell Banker Sea Coast Advantage
111 Coastal Cay, Surf City, NC 28445 – photo 1 of 561 / 56

$925,000

4 bd · 4 ba · 2,006 sq ft

111 Coastal Cay

Surf City, NC, 28445 · Live Oaks Of Topsail

Listed 7 days ago

Hive MLSListed by Berkshire Hathaway HomeServices Carolina Premier Properties

About this home

Take a look at this stunning home in the Live Oaks of Topsail! Situated directly on the marsh at the S-curve in Surf City, this home has an unparalleled view over the creek and the marsh and out to the ICW. A hidden gem community with rare turnover, the neighborhood offers a pool and a community dock along with spill over parking. Beach access is easy, too! The first floor consists of three bedrooms and 2 baths, all beautifully decorated. One of two potential primary suites spans the water side of the home and boasts a private bath and private deck. On the second floor, a comfortable open floor plan is dominated by a spacious waterfront living area and a large kitchen. Added features like a half bath and large pantry are great touches. And the large deck overlooking the sound is the perfect spot to enjoy the sunset or sip on a cup of coffee. Head up to the top floor to see the second possible owners' retreat. You may not want to leave! Can you believe the views from this deck are even better? What a way to start your day! Decks on every level welcome you to enjoy the beauty and nature all around you. This house would function well as a residence, a second home or a rental. All you need is a packed suitcase - this fabulous home is fully furnished and move in ready. While not currently a rental, this gem was a strong producer in '21 and '22! Views to die for, furnished, short distance to town, quick access to the beach, a community dock and a community pool. What more could you need? Come see it in person!

Facts

Type
Single Family Residence
Year built
2012
Lot
0.03 acres
HOA
$1,960 / annually
Community
Live Oaks Of Topsail
County
Pender
MLS #
100603568

Features

Inside

  • Ceiling Fan(s)
  • Furnished
  • Pantry
  • Reverse Floor Plan
  • Blinds/Shades
  • Eat-in Kitchen
  • LVT/LVP
  • Carpet
  • Tile
  • Wood
  • Built-In Microwave
  • Washer
  • Refrigerator
  • Dryer
  • Dishwasher

Outside

  • Outdoor Shower
  • Level
  • Salt Marsh
  • Sound Side
  • Water Access Comm
  • Creek
  • ICW
  • Marsh
  • Sound
  • Water
  • Creek/Stream

Community

  • Waterfront Community
  • Boat Dock
  • Clubhouse
  • Community Pool
  • Fitness Center
  • Maintenance Common Areas

Parking

  • Gravel
  • On Site
  • Underhouse

Heating & cooling

  • Electric
  • Forced Air
  • Central Air

Schools

Elementary
Surf City
Middle
Surf City
High
Topsail

As listed in the MLS. School assignments can change — confirm with the district for this address.

Monthly payment estimate

$6,079/mo

  • Principal & interest (30-yr fixed)$5,511
  • Property taxes (2025 bill)$405
  • HOA dues$163

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

HomeSoldBd / BaSq ftPrice$ / sq ft
123 Coastal Cay, Surf CityApr 15, 20264 / 31,574$750,000$476
1131 S Shore Drive, Surf CityApr 7, 20264 / 31,800$1,065,000$592
1103 S Topsail Drive, Surf CityApr 10, 20263 / 31,941$840,000$433
1105 S Shore Drive, Surf CityJun 23, 20263 / 21,629$855,000$525

Similar size and type, sold in the last 6 months. From Hive MLS records; deemed reliable, not guaranteed.

Buying in Surf City? Local guides

About 111 Coastal Cay

111 Coastal Cay is a 4-bedroom, 4-bath home of about 2,006 square feet, built in 2012 in Live Oaks Of Topsail, Surf City, Pender County, NC 28445.

At $925,000, it's 6% above the median asking price ($875,000) of the 31 other 4-bedroom listings for sale in Surf City today.

That's about $461 per square foot, compared with a Surf City median of $441.

1 home sold there in the last 12 months at a median of $750,000, typically in about 186 days.

Across ZIP 28445, 231 4-bedroom homes sold in the past year at a median of $565,000.

It has been on the market for 8 days.

Live Oaks Of Topsail neighborhood guideHomes for sale in Surf CityPender County homesWaterfront homes in Surf City

Buying 111 Coastal Cay

  1. See it in person. Pick a time and we'll call to confirm — often same day.
  2. Talk numbers. Tell us what you'd like to offer. It's non-binding — a licensed agent calls you before anything is written.
  3. 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 111 Coastal Cay? See what it's worth — every online estimate side by side, next to real sales in Live Oaks Of Topsail.

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Questions about 111 Coastal Cay

How much is 111 Coastal Cay?

111 Coastal Cay is listed at $925,000 (about $461 per square foot) as of September 23, 2026. Status: for sale.

How many bedrooms and bathrooms does 111 Coastal Cay have?

4 bedrooms and 4 bathrooms, with about 2,006 square feet.

What neighborhood is 111 Coastal Cay in?

Live Oaks Of Topsail, in Surf City, Pender County, North Carolina.

How long has 111 Coastal Cay been on the market?

8 days. Homes in Live Oaks Of Topsail sold after a median of 186 days over the past year.

What have homes sold for in Live Oaks Of Topsail?

1 home sold in Live Oaks Of Topsail in the last 12 months, at a median price of $750,000.

Is 111 Coastal Cay waterfront?

Yes — the MLS lists it as a waterfront property.

Does 111 Coastal Cay have an HOA fee?

Yes: $1,960 (annually), per the MLS.

When was 111 Coastal Cay built?

2012.

Who is the listing broker for 111 Coastal Cay?

Berkshire Hathaway HomeServices Carolina Premier Properties (MLS #100603568). The Buddy Blake Team can show it to you and answer questions.

Can I tour 111 Coastal Cay?

Yes. Tap “Schedule a tour,” pick a time, and we'll call to confirm — or call or text (910) 395-1000.

Listing provided by Berkshire Hathaway HomeServices Carolina Premier Properties via Hive MLS.