Pool - 1125 S Topsail Drive, Surf City, NC 28445
Ocean View Aerial - 1125 S Topsail Drive, Surf City, NC 28445
Family Room - 1125 S Topsail Drive, Surf City, NC 28445
Family Room - 1125 S Topsail Drive, Surf City, NC 28445
Kitchen - 1125 S Topsail Drive, Surf City, NC 28445
Kitchen - 1125 S Topsail Drive, Surf City, NC 28445
Kitchen - 1125 S Topsail Drive, Surf City, NC 28445
Open FloorPlan - 1125 S Topsail Drive, Surf City, NC 28445
Breakfast Area - 1125 S Topsail Drive, Surf City, NC 28445
Bedroom 2 - 1125 S Topsail Drive, Surf City, NC 28445
Bedroom 2 - 1125 S Topsail Drive, Surf City, NC 28445
Bathroom - 1125 S Topsail Drive, Surf City, NC 28445
Laundry Closet - 1125 S Topsail Drive, Surf City, NC 28445
Primary Bedroom - 1125 S Topsail Drive, Surf City, NC 28445
Primary Bedroom - 1125 S Topsail Drive, Surf City, NC 28445
Ensuite - 1125 S Topsail Drive, Surf City, NC 28445
Bedroom 3 - 1125 S Topsail Drive, Surf City, NC 28445
Bedroom 3 - 1125 S Topsail Drive, Surf City, NC 28445
Bedroom 4 - 1125 S Topsail Drive, Surf City, NC 28445
Bedroom 4 - 1125 S Topsail Drive, Surf City, NC 28445
Bathroom - 1125 S Topsail Drive, Surf City, NC 28445
Bathroom - 1125 S Topsail Drive, Surf City, NC 28445
Balcony - 1125 S Topsail Drive, Surf City, NC 28445
Pool - 1125 S Topsail Drive, Surf City, NC 28445
Pool - 1125 S Topsail Drive, Surf City, NC 28445
Seating - 1125 S Topsail Drive, Surf City, NC 28445
Outdoor Shower - 1125 S Topsail Drive, Surf City, NC 28445
Storage - 1125 S Topsail Drive, Surf City, NC 28445
Sound View - 1125 S Topsail Drive, Surf City, NC 28445
Front of Home - 1125 S Topsail Drive, Surf City, NC 28445
Lot - 1125 S Topsail Drive, Surf City, NC 28445
Sound View Aerial - 1125 S Topsail Drive, Surf City, NC 28445
Sound View - 1125 S Topsail Drive, Surf City, NC 28445
Floor Plan - 1125 S Topsail Drive, Surf City, NC 28445
34 photos

$849,000

1125 S Topsail Drive, Surf City, NC 28445
Surf City, NC 28445
Listed by Erica Anderson · Team Anderson Realty
Bedrooms
4
Bathrooms
3
Living area
N/A
Year built
2003

About this home

Fully furnished third row elevated coastal living in the heart of Surf City on Topsail Island, where luxury meets saltwater charm. Perfectly positioned in the center of the island, this stunning retreat offers effortless access to both ends of Topsail, while sitting just one mile from the mainland bridge for ultimate convenience. Wake up to serene sound views and unwind in the evening with glimpses of the Atlantic Ocean. This home truly captures the best of both worlds. Designed for both relaxation and entertaining, the property features a private saltwater in-ground pool, outdoor shower, and fully fenced backyard, creating your own secluded oasis just steps from beach access. Inside, you will find four spacious bedrooms, each with private balcony access, and three full bathrooms, providing comfort and privacy for family and guests alike. The interior showcases newly installed hardwood-style LVP flooring, a beautifully updated kitchen with modern finishes, and an open, airy main living space filled with natural light. A soft coastal palette inspired by sea glass and driftwood creates a calming, sophisticated ambiance throughout. Enjoy the charm of Surf City with its boutique shops, local eateries, and relaxed coastal lifestyle, all with no HOA dues. Whether you are seeking a primary residence, a luxurious vacation getaway, or a strong short term rental investment, this home checks every box. Fully furnished third row elevated coastal living in the heart of Surf City on Topsail Island, where luxury meets saltwater charm. Perfectly positioned in the center of the island, this stunning retreat offers effortless access to both ends of Topsail, while sitting just one mile from the mainland bridge for ultimate convenience. Wake up to serene sound views and unwind in the evening with glimpses of the Atlantic Ocean. This home truly captures the best of both worlds. Designed for both relaxation and entertaining, the property features a private saltwater in-ground pool, outdoor shower, and fully fenced backyard, creating your own secluded oasis just steps from beach access. Inside, you will find four spacious bedrooms, each with private balcony access, and three full bathrooms, providing comfort and privacy for family and guests alike. The interior showcases newly installed hardwood-style LVP flooring, a beautifully updated kitchen with modern finishes, and an open, airy main living space filled with natural light. A soft coastal palette inspired by sea glass and driftwood creates a calming, sophisticated ambiance throughout. Enjoy the charm of Surf City with its boutique shops, local eateries, and relaxed coastal lifestyle, all with no HOA dues. Whether you are seeking a primary residence, a luxurious vacation getaway, or a strong short term rental investment, this home checks every box.

Property details

MLS
Doorify MLS
MLS #
10157431
Property type
Single Family Residence
Subdivision
Horse Hammock Beach
Status
Active
Days on market
200
On market date
April 3, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.14 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
North Topsail Elementary
4.52 mi away · Grades -1-5
Zoned school (attendance boundary, 2015-16 data)
3.7
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
576
Student:teacher ratio
16.5:1
District
Pender County Schools
Middle
Topsail Middle
6.83 mi away · Grades 5-8
Zoned school (attendance boundary, 2015-16 data)
3.4
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
785
Student:teacher ratio
20.7:1
District
Pender County Schools
High
Pender Early College High
22.45 mi away · Grades 9-13
Zoned school (attendance boundary, 2015-16 data)
3.8
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: A (2025)
Enrollment
218
Student:teacher ratio
27.3:1
District
Pender County Schools

Walkability

Blended score for Surf City's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). EPA National Walkability Index only -- nearby-amenity data not cached yet for this area.

40
Somewhat walkable
out of 100
EPA National Walkability Index
8.0 / 20 -- Below average walkable

Market position

How this listing compares to current activity in Surf City, from live MLS data.

On the market 200 days -- 44 more days than Surf City's current average of 156 days.
For reference, the median list price across 134 active listings in Surf City right now is $799,997.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$5,263/mo
$169,800 down
$679,200 loan
Principal & interest$4,405
Property tax (est.)$708
Home insurance (est.)$150

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Data source: Listing information provided by Doorify MLS via Trestle/CoreLogic. Last updated 3 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.