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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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