Nestled among the enchanting live oaks that define Topsail Island, this unique beach cottage is a true gem featuring an open-floor plan, 4 bedrooms and 2.5 baths. Enjoy indoor/outdoor living with spectacular ocean views from the spacious 2nd and 3rd floor decks. The home's interior has been stylishly updated with ease and comfort and comes FULLY FURNISHED (with ACCEPTABLE OFFER) for your immediate enjoyment and/or income-producing investment (rented since 2023). Granite countertops, soft close Shaker cabinetry, electric fireplace with Shiplap finish and built-in shelving, floating mantle piece, contemporary lighting, stylish fixtures, modern appliances, LVP plus painted hardwood stairs, tile, walk-in shower, modern vanities and bathroom cabinets, are just some of the high-end features that make this Surf City home so amazing. The ground-floor entryway welcomes you with a large foyer/mudroom; opposite this is an on-suite (4th) bedroom that can also be used as an an office, studio, playroom, den, etc. It also has plenty of storage off the carport for beach and fishing essentials - but leave your yard tools behind, as the home is situated on a naturally landscaped and low maintenance lot. With just a quick walk to the beach and equally brief one to the neighborhood amenities, you'll want to make this one your very own. Amenities include a sunset-viewing gazebo, boat/kayak/SUP ramp and day dock. Island Oaks is one of the few subdivisions on the island that got it right, by working in harmony with nature and preserving the island's natural beauty and trees rather than depleting it. You won't find clear-cutting here...such an off-the beaten path and fabulous interior island neighborhood may not be for everyone, but for true coastal lovers, it's EVERYTHING. Look no further as this beach cottage + this location equals a great find!
Sold for $930,000
$930,000
124 N Oak Drive, Surf City, NC 28445
4beds
2,187sqft
Single Family Residence
Built in 1992
5,227 Square Feet Lot
$956,300 Zestimate®
$425/sqft
$3,093 Estimated rent
Home value
$956,300
$851,000 - $1.07M
$3,093/mo
Zestimate® history
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$5,844/mo
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Zillow last checked:
Listing updated:
Listed by:
Kym C Harrelson-Pattishall 910-538-3252,
RE/MAX Executive
Bought with:
Garrett D Cox, 286711
Coastal Realty Associates, LLC
Source: Hive MLS,MLS#: 100487656
Originating MLS: Cape Fear Realtors MLS, Inc.
Originating MLS: Cape Fear Realtors MLS, Inc.Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Rooms
- Room types: Utility Room, Bedroom 4, Bathroom 3, Bedroom 2, Bedroom 3, Bathroom 2, Other, Laundry, Dining Room, Living Room, Master Bedroom
Primary bedroom
- Level: Third
- Dimensions: 242 x 136
Bedroom 2
- Level: Second
- Dimensions: 125 x 1011
Bedroom 3
- Description: Bunk Bed Room
- Level: Second
- Dimensions: 118 x 911
Bedroom 4
- Level: First
- Dimensions: 163 x 77
Bathroom 2
- Description: Hall Bath
- Level: Second
- Dimensions: 84 x 88
Bathroom 3
- Description: Master Bath
- Level: Third
- Dimensions: 111 x 96
Bathroom 3
- Level: First
- Dimensions: 66 x 43
Dining room
- Level: Second
- Dimensions: 113 x 135
Kitchen
- Level: Second
- Dimensions: 911 x 10
Laundry
- Level: Second
- Dimensions: 6 x 33
Living room
- Level: Second
- Dimensions: 201 x 203
Other
- Description: Storage/Owner's Closet
- Level: Second
- Dimensions: 53 x 36
Other
- Description: Master Walk-In Closet
- Level: Third
- Dimensions: 111 x 74
Utility room
- Description: Foyer (irregular)
- Level: First
- Dimensions: 78 x 96
Heating
- Electric, Heat Pump
Cooling
- Central Air
Appliances
- Included: Vented Exhaust Fan, Electric Oven, Electric Cooktop, Built-In Microwave, Washer, Refrigerator, Dryer, Dishwasher
- Laundry: Laundry Closet
Features
- Walk-in Closet(s), Vaulted Ceiling(s), High Ceilings, Mud Room, Ceiling Fan(s), Walk-in Shower, Blinds/Shades, In-Law Quarters, Walk-In Closet(s)
- Flooring: LVT/LVP, Tile, Wood
- Doors: Storm Door(s)
Interior area
- Total structure area: 2,187
- Total interior livable area: 2,187 sqft
Property
Parking
- Parking features: Off Street
Features
- Levels: Three Or More
- Stories: 3
- Patio & porch: Covered, Deck, Patio, Balcony
- Exterior features: Outdoor Shower, Storm Doors
- Fencing: None
- Waterfront features: Deeded Beach Access, Deeded Water Access, Third Row, Water Access Comm
Lot
- Size: 5,227 Square Feet
- Dimensions: 52 x 103 x 54 x 103
- Features: Deeded Beach Access, Deeded Water Access, Third Row, Water Access Comm
Details
- Parcel number: 42340216420000
- Zoning: R5
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Other, Pilings
- Roof: Architectural Shingle
Condition
- New construction: No
- Year built: 1992
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Sewer Available, Underground Utilities, Water Available
Community & HOA
Community
- Subdivision: Island Oaks
HOA
- Has HOA: Yes
- Amenities included: Beach Access, Boat Dock, Maintenance Common Areas, Maintenance Roads, Master Insure, Ramp, Street Lights
- HOA fee: $300 annually
- HOA name: Island Oaks HOA
- HOA phone: 910-538-3252
Location
- Region: Surf City
Financial & listing details
- Price per square foot: $425/sqft
- Tax assessed value: $266,098
- Annual tax amount: $3,299
- Date on market: 11/13/2025
- Cumulative days on market: 6 days
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,FHA,VA Loan
Price history
| Date | Event | Price |
|---|---|---|
| 3/21/2025 | Sold | $930,000-2%$425/sqft |
Source:  Hive MLS #100487656 Report a problem | ||
| 3/10/2025 | Pending sale | $949,000$434/sqft |
Source: Hive MLS #100487656 Report a problem | ||
| 2/28/2025 | Contingent | $949,000$434/sqft |
Source: Hive MLS #100487656 Report a problem | ||
| 2/28/2025 | Listed for sale | $949,000$434/sqft |
Source: Hive MLS #100487656 Report a problem | ||
| 2/12/2025 | Contingent | $949,000$434/sqft |
Source: Hive MLS #100487656 Report a problem | ||
| 2/7/2025 | Listed for sale | $949,000+240.1%$434/sqft |
Source: Hive MLS #100487656 Report a problem | ||
| 9/4/2007 | Sold | $279,000$128/sqft |
Source: Hive MLS #30384860 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,209 | $769,189 +189.1% |
| 2024 | $2,209 | $266,098 |
| 2023 | $2,209 +12.5% | $266,098 |
| 2022 | $1,962 | $266,098 |
| 2021 | $1,962 | $266,098 |
| 2020 | -- | $266,098 |
| 2019 | $1,962 | $266,098 +12.1% |
| 2018 | $1,962 +6.4% | $237,275 |
| 2017 | $1,845 +1.3% | $237,275 |
| 2016 | $1,821 | $237,275 |
| 2015 | $1,821 -2.5% | $237,275 -2.5% |
| 2014 | $1,868 | $243,448 |
| 2013 | $1,868 +31.3% | $243,448 |
| 2012 | $1,423 | $243,448 |
| 2011 | -- | $243,448 +542.2% |
| 2010 | -- | $37,909 |
Find assessor info on the county website
Neighborhood: 28445
Nearby homes
- $858,8004 bd3 ba1.5k sqft120 Oak Dr N, Surf City, NC 28445Off Market
- $915,0003 bd3 ba1.5k sqft120 N Oak Dr, Surf City, NC 28445Sold
- $758,2003 bd3 ba1.2k sqft1807 S Shore Dr, Surf City, NC 28445Off Market
- $913,6005 bd3 ba2.3k sqft126 N Oak Dr, Surf City, NC 28445Off Market
- $156,8006,185 Square Feet1805 S Shore Dr, Surf City, NC 28445Off Market
- $886,0003 bd2 ba1.9k sqft102 Seagull Ct, Surf City, NC 28445Off Market
- $865,0004 bd3 ba1.4k sqft1811 S Shore Dr, Surf City, NC 28445Sold
- $853,4002 bd2 ba923 sqft1803 S Shore Dr, Surf City, NC 28445Off Market
Nearby schools
GreatSchools rating
- 7/10Surf City ElementaryGrades: PK-5Distance: 3.8 mi
- 9/10Surf City MiddleGrades: 6-8Distance: 3.7 mi
- 8/10Topsail High SchoolGrades: 9-12Distance: 6.2 mi
Schools provided by the listing agent
- Elementary: Surf City
- Middle: Surf City
- 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.
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Estimated market value
$956,300
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Estimated market value
$956,300
- North Carolina
- Pender County
- Surf City
- 28445
- 124 N Oak Drive
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