Single Family Residence at 106 Charlotte Avenue, Surf City, NC 28445, Surf City
Single Family Residence at 106 Charlotte Avenue, Surf City, NC 28445, Surf City, photo 2 of 4
Single Family Residence at 106 Charlotte Avenue, Surf City, NC 28445, Surf City, photo 3 of 4
Single Family Residence at 106 Charlotte Avenue, Surf City, NC 28445, Surf City, photo 4 of 4
4 photos

$2,099,000

106 Charlotte Avenue, Surf City, NC 28445
Surf City, NC 28445
Listed by Garrett A Williams · Intracoastal Realty Corporation
Bedrooms
6
Bathrooms
5
Living area
3,734 sqft
Year built
2020

About this home

Welcome to some of the best views in Surf City! 106 Charlotte Avenue has so much to love about it. It is less than a minute walk to the beach, it is less than half a mile to the shops and restaurants in Surf City, and it has some absolutely incredible Ocean and Intracoastal views from the massive rooftop deck. This updated home has over 3,700 square feet of indoor living space with 6 bedrooms and 6 bathrooms, plenty of room for friends and family to enjoy the beach life. With recent AirDNA rental projections of $230,000, this property also makes a fantastic second home or investment. The in-ground pool and hot tub in the backyard make it feel like you are on vacation. The outdoor shower lets you keep all the sand and salt outside where it should be. The sunsets and sunrises from the rooftop deck are second to none, there is a lot to love about 106 Charlotte Avenue!

Highlights

Private poolFireplace

Property details

MLS #
100554934
Property type
Single Family Residence
Subdivision
Topsail Cove
Status
Active
Days on market
234
On market date
February 19, 2026
Stories
N/A
Total bathrooms
5
Garage spaces
N/A
Parking spaces
6
Lot size
0.11 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 (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
North Topsail Elementary
5.14 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
7.43 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
22.81 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). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

56
Somewhat walkable
out of 100
EPA National Walkability Index
10.7 / 20 -- Above average walkable
Google Places amenity density
60 / 100
Restaurants & cafes20
Grocery stores2
Parks3
Schools1
Transit stops0
Pharmacies0

Mortgage calculator

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Est. monthly payment
$12,790/mo
$419,800 down
$1,679,200 loan
Principal & interest$10,891
Property tax (est.)$1,749
Home insurance (est.)$150

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Data source: Listing information provided by Hive MLS via Trestle/CoreLogic. Last updated August 19, 2026.

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.