Come Home to the Coast - 109 Sea Urchin Court, Surf City, NC 28445
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$823,500

109 Sea Urchin Court, Surf City, NC 28445
Surf City, NC 28445
Listed by Meredith S Marchant · Intracoastal Realty Corporation
Bedrooms
3
Bathrooms
2.5
Living area
1,568 sqft
Year built
1996

About this home

COASTAL INVESTMENT OPPORTUNITY | MULTIGENERATIONAL LIVING | BEACH & BOAT ACCESS Discover the possibilities at 109 Sea Urchin Court in desirable Island Oaks on Topsail Island! This versatile coastal property offers ocean views, a reverse floor plan, and flexible living spaces ideal for investors, extended families, or a personal beach retreat. Reverse Floor Plan: Open-concept kitchen, dining, and living areas designed to capture natural light, coastal breezes, and ocean views. Flexible Living: Three-bedroom main residence plus a separate downstairs studio/in-law suite with a kitchenette, bathroom, and combination washer/dryer. Investment Potential: Explore opportunities for multiple rental arrangements, subject to applicable regulations and restrictions. Multigenerational Appeal: Accommodate extended family or guests while offering additional privacy and independence. Coastal Lifestyle: Enjoy community beach access and a community boat ramp with access to the Intracoastal Waterway. Versatile Possibilities: Ideal for a full-time residence, vacation getaway, or investment property. One property, multiple possibilities! Whether you're looking to expand your investment portfolio or create a coastal home with room for everyone, 109 Sea Urchin Court invites you to explore the possibilities of island living.

Property details

MLS
Hive MLS
MLS #
100595518
Property type
Single Family Residence
Subdivision
Island Oaks
Status
Active
Days on market
70
On market date
August 20, 2026
Stories
N/A
Total bathrooms
2.5
Garage spaces
1
Parking spaces
3
Lot size
0.2 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
3.44 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
5.78 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
21.92 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

Mortgage calculator

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Est. monthly payment
$5,109/mo
$164,700 down
$658,800 loan
Principal & interest$4,273
Property tax (est.)$686
Home insurance (est.)$150

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Data source: Listing information provided by Hive MLS via Trestle/CoreLogic. Last updated 2 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.