$1,225,000
Surf City, NC 28445
MLS# 100551394
5 beds | 5 baths | 2887 sqft
1 / 73
Property Description
Welcome to Island Oaks, one of Topsail Island's most coveted neighborhoods, where coastal living truly lives up to its name. Located third row from the beach, and tucked within the Live Oaks this stunning beach house offers a large living space, sweeping ocean and sound views that steal the show--sunrises, sunsets, and salty breezes included. Perfectly positioned in a private, oak-lined community, owners enjoy direct water access with a neighborhood boat ramp, making days on the Intracoastal just as effortless as mornings on the beach. Whether you're boating, paddleboarding, or casting a line, this location is a dream for water lovers. The home features amazing decks on every level, providing multiple outdoor spaces to relax, entertain, and fully embrace island life from sunrise coffee to sunset cocktails. Adding exceptional versatility, the property includes separate ground-floor living quarters complete with a full bath and kitchen--ideal for guests, extended family, or private overflow space. Peaceful, private, and rich in coastal charm, this property offers the rare blend of natural beauty, exclusive amenities, and true Topsail Island lifestyle. A special opportunity to own in Island Oaks--where timeless oaks, tranquil waters, and unforgettable views come together. Professional Photos and Floor Plan coming.
Details
Maps
Property Interior Info
ud_i_10: 3
SqFt - Below Grade: 831
Total SqFt - Heated (Primary + Separate): 2887
# Rooms: 10
# Baths - Full: 3
# Baths - Half: 2
# Baths - Total: 5
Master Bedroom Level: Non Primary Living Area
Fireplace Y/N: No
SqFt - Heated (Primary): 2887
# Bedrooms: 5
Contract Info
Sub-Type: Single Family Residence
Construction Type: Stick Built
List Price/SqFt: 424.32
Stipulation of Sale: Standard
Status: Active
Marketing Start Date: 2026-01-26
Listing Price: 1225000
Current Price: $1,225,000
Location Information
City Limits: Yes
Marketing City: Surf City
Secondary Subdivision: N/A
Street #: 106
Pre Direction: N
Street Name: Oak
Street Suffix: Drive
County: Pender
State/Province: NC
Zip Code: 28445
Subdivision: Island Oaks
Geo Lat: 34.4074
Geo Lon: -77.575011
Remarks and Showing
Sign on Property: Yes
Directions to Property: From NC - 50 South. At traffic circle, continue straight onto NC-210/NC-50/ Surf City Bridge. Keep right to continue onto S Topsail Drive. Turn right onto Sound Dr. Turn right onto N Oak Dr.
106 N Oak Dr., Surf City, NC 28445
Property Exterior Info
New Construction: No
Lot Acres: 0.15
Lot Dimensions: 50x130
Lot SqFt: 6534
Waterfront: No
Waterview: Yes
Location Type: Island
Legal & Taxes
Tax Assessed Value: 428007
Total City Real Estate Property Tax: 547
Total Real Estate Property Taxes: 5307.29
Deed Book: 926
Deed Page: 147
Legal: LT 14,PB 23/35 ISLAND OAKS
Broker Owner: No
PID: 4224-92-8324
Tax Identifier: 4224-92-8324-0000
Plat Book: 23
Plat Page: 15
Lot #: 14
Special Assessments: unknown
Tax Year: 2023
Zoning: INCORP
HOA: Yes
Cobra Zone: No
Federal Flood Ins Avlbl: Yes
Elementary School: Surf City
Middle School: Surf City
High School: Topsail
Showing Instructions
24 Hour Notice: 1
Garage & Parking
Total Parking Spaces: 6
Attached Garage Spaces: 0
Detached Garage Spaces: 0
Total # Garage Spaces: 0
Underhouse Spaces: 2
Total Carport Spaces: 0
Parking Features
Attached: 1
HOA and Neigh Amenities
Beach Access: 1
Maint - Comm Areas: 1
Maint - Roads: 1
Ramp: 1
Street Lights: 1
Taxes: 1
Waterfront Community: 1
Club Membership: None Selected
HOA
Association Fee 1/Year: 150
Association Name: Island Oaks HOA
Association Phone: 9105383252
HOA 1 Mgmt. Company: Vickie Farris
HOA 1 Mgmt. Phone: 901-328-1387
Frontage Type
See Remarks: 1
View Type
ICW View: 1
Marsh View: 1
Ocean: 1
Sound View: 1
Water: 1
Construction
Wood Frame: 1
Lot Water Features
Boat Ramp: 1
Deeded Beach Access: 1
Deeded Water Access: 1
Third Row: 1
Water Access Comm: 1
Exterior Features
Outdoor Shower: 1
Current Service Providers
Electric Provider: Jones-Onslow EMC
Sewer Provider: City/Town
Water Provider: Public Water
Exterior Finish
Fiber Cement: 1
Terms
Cash: 1
Conventional: 1
VA Loan: 1
Fencing
None: 1
Foundation
Pilings: 1
Flooring
Carpet: 1
LVT/LVP: 1
Tile: 1
Patio and Porch Features
Covered: 1
Deck: 1
Front Porch: 1
Open: 1
Porch: 1
Rear Porch: 1
Pool Features
Hot Tub: 1
Roof
Shingle: 1
Levels
3 Story or More: 1
Entry Level Information
Entry Level: 2
Lot Features
Wooded: 1
Road Type/Frontage
Paved: 1
Private Road: 1
Trash Collection
City Pick-UP: 1
Cooling
Zoned: 1
Heated SqFt
2800 - 2999: 1
Heating
Zoned: 1
Heating System Fuel Source
Electric: 1
Water Heater
Electric: 1
Utilities
Sewer Connected: 1
Water Connected: 1
Sewer
Municipal Sewer: 1
Water Source
Municipal Water: 1
Appliances/Equip
Dishwasher: 1
Dryer: 1
Electric Oven: 1
Refrigerator: 1
Furnished
Negotiable: 1
Interior Features
2nd Kitchen: 1
Apt/Suite: 1
Blinds/Shades: 1
Ceiling Fan(s): 1
Entrance Foyer: 1
Vaulted Ceiling(s): 1
Walk-in Shower: 1
Walk-In Closet(s): 1
Laundry Features
Laundry Closet: 1
Dining Room Type
Combination: 1
Formal: 1
Separate Living Spcs
Addl Suite Desc: Ground Floor
Addl w/Kitchen Desc: Ground Floor
Rooms
Bedroom 1: 1
Bedroom 1 Level: First
Bedroom 2: 1
Bedroom 2 Level: Second
Bedroom 3: 1
Bedroom 3 Level: Second
Bedroom 5: 1
Bedroom 5 Level: Third
Dining Room: 1
Dining Room Level: First
Kitchen: 1
Kitchen Level: First
Laundry: 1
Laundry Level: First
Living Room: 1
Living Room Level: First
Master Bedroom: 1
Master Bedroom Level: Second
Studio: 1
Studio Level: Ground
Legal Taxes
Year Built: 2020
Property Features
Showing Instructions: 24 Hour Notice
Frontage Type: See Remarks
View Type: ICW View; Marsh View; Ocean; Sound View; Water
Construction: Wood Frame
Exterior Features: Outdoor Shower
Exterior Finish: Fiber Cement
Fencing: None
Foundation: Pilings
Parking Features: Attached
Patio and Porch Features: Covered; Deck; Front Porch; Open; Porch; Rear Porch
Pool Features: Hot Tub
Roof: Shingle
Levels: 3 Story or More
Trash Collection: City Pick-UP
Lot Features: Wooded
Lot Water Features: Boat Ramp; Deeded Beach Access; Deeded Water Access; Third Row; Water Access Comm
Cooling: Zoned
Heating: Zoned
Heating System Fuel Source: Electric
Water Heater: Electric
Utilities: Sewer Connected; Water Connected
Sewer: Municipal Sewer
Water Source: Municipal Water
Flooring: Carpet; LVT/LVP; Tile
Furnished: Negotiable
Interior Features: 2nd Kitchen; Apt/Suite; Blinds/Shades; Ceiling Fan(s); Entrance Foyer; Vaulted Ceiling(s); Walk-in Shower; Walk-In Closet(s)
Laundry Features: Laundry Closet
Heated SqFt: 2800 - 2999
Dining Room Type: Combination; Formal
HOA and Neigh Amenities: Beach Access; Maint - Comm Areas; Maint - Roads; Ramp; Street Lights; Taxes; Waterfront Community
Rooms: Bedroom 1; Bedroom 2; Bedroom 3; Bedroom 5; Dining Room; Kitchen; Laundry; Living Room; Master Bedroom; Studio
Terms: Cash; Conventional; VA Loan
Room Information
| Room Name | Level |
| Living Room | First |
| Kitchen | First |
| Bedroom 1 | First |
| Dining Room | First |
| Laundry | First |
| Bedroom 2 | Second |
| Bedroom 3 | Second |
| Laundry | Second |
| Master Bedroom | Second |
| Bedroom 5 | Third |
| Kitchen | Ground |
| Studio | Ground |
IDX
Listing Office: Coastal Realty Associates LLC
Last Updated: April - 20 - 2026
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