123 Coastal Cay, Surf City, NC 28445

$785,000
Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 1,574 Lot Size (sq. ft.): 1,220 Status: Active
Current Price: $785,000 List Date: 10/11/2025 Last Modified: 12/22/2025

Description

Situated a short walk from the beach, this 4-bedroom, 3-bath beach house is part of the desirable soundfront community of Live Oaks at Topsail. Offering both sound and ocean views, this home is designed for comfort, style, and coastal living. Inside, you'll find an updated kitchen with breakfast bar, granite countertops, stainless steel appliances, tiled backsplash, and recessed lighting—perfect for everyday living or entertaining. The home also features new wood flooring in bedrooms, custom closet organizers, updated fans and fixtures, expanded trim, and vaulted ceilings that create a light and airy feel. A Culligan water filtration system adds convenience and peace of mind. Each of the home's 4 bedrooms enjoys direct access to one of multiple decks, ideal for soaking in the views and sea breeze. The ground level offers an enclosed garage with parking for up to three cars, a storage room, and a large outdoor shower—a must for beach living. Community amenities include a dock, kayak launch, swimming pool, courtyard and small clubhouse. With short-term rentals permitted, this home is a fantastic option for a primary residence, second home, or investment property. Recent updates include HVAC systems replaced in 2020 with maintenance plan and a termite bond in place for added value. Experience coastal living with all the benefits of a vibrant community and the convenience of move-in-ready updates.

More Information MLS# 100533834

Building/Ext Features

ud_i_08: 0

Property Interior Info

Total SqFt - Heated (Primary + Separate): 1574 # Rooms: 6 # Baths - Full: 3 # Baths - Half: 0 # Baths - Total: 3 Master Bedroom Level: Non Primary Living Area Stories: 3 Fireplace Y/N: No SqFt - Heated (Primary): 1574 # Bedrooms: 4

Contract Info

Sub-Type: Single Family Residence Construction Type: Stick Built List Price/SqFt: 498.73 Stipulation of Sale: Standard Status: Active Marketing Start Date: 2025-10-01 Listing Price: 785000 Current Price: $785,000

Location Information

City Limits: Yes Marketing City: Surf City Secondary Subdivision: N/A Street #: 123 Street Name: Coastal Cay County: Pender State/Province: NC Zip Code: 28445 Subdivision: Live Oaks Of Topsail Geo Lat: 34.416215 Geo Lon: -77.562053

Remarks and Showing

Sign on Property: Yes Directions to Property: Take the Surf City Bridge onto island, then right onto S Topsail Dr. Follow just over 1 mile and turn right into community on Coastal Cay. Please park in driveway (2 spaces), or on rocks to left side of home (2 spaces).

Property Exterior Info

New Construction: No Lot Acres: 0.03 Lot Dimensions: 24x50 Lot SqFt: 1220 Waterfront: No Waterview: Yes Location Type: Island

Legal & Taxes

Tax Assessed Value: 315030 Total Real Estate Property Taxes: 3906.37 Deed Book: 4741 Deed Page: 2249 Legal: Unit 2,Pb 45/34 Live Oak Broker Owner: No PID: 4234-35-6681-0000 Tax Identifier: 4234-35-6681-0000 Plat Book: 45 Plat Page: 34 Special Assessments: None Known Tax Year: 2023 Zoning: R10 HOA: Yes Cobra Zone: No Elementary School: Surf City Middle School: Surf City High School: Topsail

Garage & Parking

Attached Garage Spaces: 3 Detached Garage Spaces: 0 Total # Garage Spaces: 3 Underhouse Spaces: 2 Total Carport Spaces: 0

Parking Features

Garage Faces Front: 1 On Site: 1

HOA and Neigh Amenities

Billiard Room: 1 Boat Dock: 1 Clubhouse: 1 Community Pool: 1 Maint - Comm Areas: 1 Maint - Grounds: 1 Management: 1 Waterfront Community: 1 Owner Pets Only: 1

HOA

Association Fee 1/Year: 1840 Association Name: Live Oaks of Topsail Association Phone: 2153563582

Basement

Unfinished: 1

View Type

ICW View: 1 Marsh View: 1 Ocean: 1 Sound View: 1

Construction

Wood Frame: 1

Unit Type

4 Bedroom Or More: 1

Lot Water Features

Deeded Waterfront: 1 Pier: 1 Sound Side: 1 Water Access Comm: 1

Exterior Features

Outdoor Shower: 1

Current Service Providers

Electric Provider: Jones-Onslow EMC Sewer Provider: Surf City Trash Provider: Surf City Water Provider: Surf City

Exterior Finish

Vinyl Siding: 1

Terms

Cash: 1 Conventional: 1 FHA: 1 VA Loan: 1 Commercial: 1

Fencing

None: 1

Foundation

Pilings: 1

Flooring

Tile: 1 Wood: 1

Patio and Porch Features

Deck: 1 Porch: 1

Roof

Architectural Shingle: 1

Levels

3 Story or More: 1

Road Type/Frontage

Paved: 1

Cooling

Central Air: 1 Heat Pump: 1

Heated SqFt

1400 - 1599: 1

Heating

Forced Air: 1 Heat Pump: 1

Heating System Fuel Source

Electric: 1

Water Heater

Electric: 1

Utilities

Cable Available: 1 Sewer Connected: 1 Water Connected: 1

Appliances/Equip

Built-In Microwave: 1 Dishwasher: 1 Double Oven: 1 Dryer: 1 Electric Cooktop: 1 Electric Oven: 1 Range: 1 Refrigerator: 1 Washer: 1 Water Softener: 1

Furnished

Unfurnished: 1

Interior Features

Blinds/Shades: 1 Ceiling Fan(s): 1 High Ceilings: 1 Reversed Floor Plan: 1 Solid Surface: 1 Vaulted Ceiling(s): 1

Dining Room Type

Combination: 1

Home Warr/Termite

Termite Bond: 1 Termite Company: Bug-N-A-Rug Termite Company Phone: 910.254.9443

Rooms

Bedroom 2: 1 Bedroom 2 Level: Second Bedroom 3: 1 Bedroom 3 Level: Second Bedroom 4: 1 Bedroom 4 Level: Third Dining Room: 1 Dining Room Level: Third Kitchen: 1 Kitchen Level: Third Living Room: 1 Living Room Level: Third Master Bedroom: 1 Master Bedroom Level: Second Utility Room: 1 Utility Room Level: Ground

Legal Taxes

Year Built: 2011

Property Features

View Type: ICW View; Marsh View; Ocean; Sound View Basement: Unfinished; Unfinished Construction: Wood Frame Unit Type: 4 Bedroom Or More Exterior Features: Outdoor Shower Exterior Finish: Vinyl Siding Fencing: None Foundation: Pilings Parking Features: Garage Faces Front; On Site Patio and Porch Features: Deck; Porch Roof: Architectural Shingle Levels: 3 Story or More Lot Water Features: Deeded Waterfront; Pier; Sound Side; Water Access Comm Cooling: Central Air; Heat Pump Heating: Forced Air; Heat Pump Heating System Fuel Source: Electric Water Heater: Electric Utilities: Cable Available; Sewer Connected; Water Connected Flooring: Tile; Wood Furnished: Unfurnished Interior Features: Blinds/Shades; Ceiling Fan(s); High Ceilings; Reversed Floor Plan; Solid Surface; Vaulted Ceiling(s) Heated SqFt: 1400 - 1599 Dining Room Type: Combination HOA and Neigh Amenities: Billiard Room; Boat Dock; Clubhouse; Community Pool; Maint - Comm Areas; Maint - Grounds; Management; Waterfront Community; Owner Pets Only Rooms: Bedroom 2; Bedroom 3; Bedroom 4; Dining Room; Kitchen; Living Room; Master Bedroom; Utility Room Terms: Cash; Conventional; FHA; VA Loan; Commercial

Room Information

Master Bedroom Length: 17.00 Width: 11.00 Level: Second Bedroom 2 Length: 11.00 Width: 10.00 Level: Second Bedroom 3 Length: 10.00 Width: 10.00 Level: Second Bedroom 4 Length: 13.00 Width: 11.00 Level: Third Living Room Length: 13.00 Width: 13.00 Level: Third Dining Room Length: 11.00 Width: 9.00 Level: Third Kitchen Length: 12.00 Width: 12.00 Level: Third Utility Room Length: 12.00 Width: 7.00 Level: Ground Remarks: Unfinished
Listing Office: Coldwell Banker Sea Coast Advantage
IDX
Last Updated: December - 22 - 2025
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