WATER ACCESS! LOCATION! DOUBLE POTENTIAL INCOMING PRODUCING! FULLY FURNISHED! EASY TO SHOW! Located in the sought-after Pirates Cove community in Surf City on Topsail Island, this expansive coastal retreat doesn't just whisper opportunity, it delivers it with space, flexibility, and undeniable charm.
Spanning over 3,500 square feet, this impressive 5-bedroom, 6-full-bath beach home is thoughtfully designed for versatility and comfort. Featuring two full kitchens, two living rooms, and two primary suites with attached bathrooms, the layout is perfectly suited for easy conversion into a duplex, multigenerational living, or a high-performing vacation rental setup.
An elevator provides effortless access between levels, while multiple screened-in porches invite you to slow down and savor the coastal breeze. Cozy up beside one of two fireplaces, or step outside to enjoy the pergola-covered outdoor space, ideal for entertaining or relaxing after a day on the water.
Situated on a corner lot with mature trees, the home offers added privacy and a true coastal neighborhood feel. The rare convenience of four garages spaces and two separate driveways provides ample parking for guests, boats, and beach gear.
Located within a water-access community with a boat ramp, you're just minutes from the beach, dining, and local favorites. Best of all, this home is being sold furnished, excluding a few personal items, making it a seamless transition whether you're looking for a primary residence, second home, or investment property.
Versatile. Spacious. Exceptionally located.
This is more than a beach house, it's a coastal lifestyle investment with room to gather, generate, and grow. 🌊⚓. THIS HOME DOES ALLOW SHORT TERM RENTALS!
For sale
Price cut: $100K (4/7)
$1,550,000
111 Cutlass Drive, Surf City, NC 28445
5beds
3,544sqft
Single Family Residence
Built in 1995
0.31 Acres Lot
$1,444,500 Zestimate®
$437/sqft
$67/mo HOA
What's special
Multiple screened-in porchesTwo full kitchens
- 162 days |
- 221 |
- 10 |
Zillow last checked:
Listing updated:
Listed by:
Mollie M Barrett 910-859-3222,
Berkshire Hathaway HomeServices Carolina Premier Properties,
Scott Sawyer 910-239-1402,
Berkshire Hathaway HomeServices Carolina Premier Properties
Source: Hive MLS,MLS#: 100547126
Originating MLS: Cape Fear Realtors MLS, Inc.
Originating MLS: Cape Fear Realtors MLS, Inc.Loading...
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 6
- Full bathrooms: 6
Rooms
- Room types: Master Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Living Room, Bathroom 1, Bathroom 2, Bathroom 3, Basement, Bathroom 5, Bathroom 6, Breakfast Nook
Heating
- Fireplace(s), Electric, Forced Air
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Electric Oven, Electric Cooktop, Built-In Microwave, Washer, Refrigerator, Dryer, Dishwasher, Electric Range
- Laundry: Dryer Hookup, Washer Hookup, Laundry Closet
Features
- Walk-in Closet(s), Entrance Foyer, Elevator, 2nd Kitchen, Ceiling Fan(s), Furnished, Pantry, Blinds/Shades, Gas Log, Walk-In Closet(s)
- Flooring: Carpet, Tile, Wood
- Basement: None
- Attic: Scuttle
- Has fireplace: Yes
- Fireplace features: Gas Log
- Furnished: Yes
Interior area
- Total structure area: 3,544
- Total interior livable area: 3,544 sqft
Property
Parking
- Total spaces: 4
- Parking features: Concrete, Lighted, Off Street, Garage
- Attached garage spaces: 4
Accessibility
- Accessibility features: Accessible Doors, Accessible Elevator Installed
Features
- Levels: Three Or More
- Patio & porch: Covered, Deck, Porch, Screened, Balcony
- Pool features: None
- Fencing: None
- Has view: Yes
- View description: Marsh, Sound, Water
- Has water view: Yes
- Water view: Marsh,Sound,Water
- Waterfront features: Boat Ramp, Water Access Comm
- Frontage type: See Remarks
Lot
- Size: 0.31 Acres
- Features: Corner Lot, Boat Dock, Boat Ramp, Water Access Comm
Details
- Parcel number: 42247024050000
- Zoning: AE
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Vinyl Siding, Wood Frame
- Foundation: Slab
- Roof: Architectural Shingle
Condition
- New construction: No
- Year built: 1995
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Sewer Connected, Water Connected
Community & HOA
Community
- Security: Smoke Detector(s)
- Subdivision: Pirates Cove
HOA
- Has HOA: Yes
- Amenities included: Waterfront Community, Maintenance Common Areas, Maintenance Roads, Management, Taxes
- HOA fee: $800 annually
- HOA name: Pirates Cove Assocaioin
- HOA phone: 704-747-0463
Location
- Region: Holly Ridge
Financial & listing details
- Price per square foot: $437/sqft
- Tax assessed value: $558,084
- Annual tax amount: $6,920
- Date on market: 1/1/2026
- Cumulative days on market: 163 days
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
- Road surface type: Paved
Estimated market value
$1,444,500
$1.37M - $1.52M
$4,672/mo
Price history
| Date | Event | Price |
|---|---|---|
| 4/7/2026 | Price change | $1,550,000-6.1%$437/sqft |
Source:  Hive MLS #100547126 Report a problem | ||
| 2/24/2026 | Price change | $1,650,000-2.9%$466/sqft |
Source: Hive MLS #100547126 Report a problem | ||
| 1/1/2026 | Listed for sale | $1,700,000+104.8%$480/sqft |
Source: Hive MLS #100547126 Report a problem | ||
| 6/29/2005 | Sold | $830,000$234/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $4,632 | $1,105,226 +98% |
| 2024 | $4,632 | $558,084 |
| 2023 | $4,632 +12.5% | $558,084 |
| 2022 | $4,116 | $558,084 |
| 2021 | $4,116 | $558,084 |
| 2020 | -- | $558,084 |
| 2019 | $4,116 | $558,084 +28.4% |
| 2018 | $4,116 +21.8% | $434,538 |
| 2017 | $3,379 +1.3% | $434,538 |
| 2016 | $3,335 | $434,538 |
| 2015 | $3,335 +3.3% | $434,538 +3.3% |
| 2014 | $3,227 | $420,498 |
| 2013 | $3,227 +31.3% | $420,498 |
| 2012 | $2,458 | $420,498 |
| 2011 | -- | $420,498 -3.2% |
| 2010 | -- | $434,586 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 28445
Nearby schools
GreatSchools rating
- 7/10Surf City ElementaryGrades: PK-5Distance: 4.2 mi
- 9/10Surf City MiddleGrades: 6-8Distance: 4.2 mi
- 8/10Topsail High SchoolGrades: 9-12Distance: 5.6 mi
Schools provided by the listing agent
- Elementary: North Topsail
- Middle: Topsail
- High: Topsail
Source: Hive MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- North Carolina
- Pender County
- Surf City
- 28445
- 111 Cutlass Drive
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