109 Sea Urchin Court, Surf City, NC 28445 (MLS# 100595518)

Listed by Meredith S Marchant, Intracoastal Realty Corporation.

109 Sea Urchin Court, Surf City, NC 28445

$823,500

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,568 Lot Size (sq. ft.): 8,886 Status: Active

Current Price: $823,500 List Date: 8/20/2026 Last Modified: 9/28/2026

Overview

Description

Island Oaks coastal living with DUAL INVESTMENT POTENTIAL! This 3-bedroom Surf City home features a reverse floor plan designed to capture natural light, coastal breezes, and beautiful ocean views, with an open-concept kitchen, dining, and living area perfect for gathering family and friends. A standout feature for both homeowners and investors is the additional downstairs studio/in-law suite with a combo washer/dryer, kitchenette and bathroom creating the potential for flexible living arrangements and dual rental opportunities. (Rental history for suite available upon request) Located in desirable Island Oaks, residents enjoy community beach access plus a community boat ramp with deep-water access to the Intracoastal Waterway, putting beach days, boating, fishing, and island adventures right outside your door. Whether you're looking for a full-time coastal residence, vacation getaway, multigenerational home, or investment property, this home offers the flexibility, locati … (Read more)

Listing Details MLS# 100595518

Contract Info

Sub-Type: Single Family Residence
Construction Type: Stick Built
Marketing Start Date: 2026-08-11
Listing Price: 823500
List Price/SqFt: 525.19
Stipulation of Sale: Standard

Location Information

Street #: 109
Street Name: Sea Urchin
Street Suffix: Court
County: Pender
State/Province: NC
Zip Code: 28445
City Limits: Yes
Marketing City: Surf City
Subdivision: Island Oaks
Secondary Subdivision: N/A

Remarks and Showing

Directions to Property: Cross the Highrise Bridge, take the first exit on the round about, go south for roughly 2 miles then turn right on Sound Drive. Turn left on Oak Drive. take 2nd left on Sea Urchin Court. This home is
Sign on Property: Yes

Property Exterior Info

New Construction: No
Property Attached YN: No
Accessory Dwelling Unit YN: Yes
Lot Acres: 0.2
Lot SqFt: 8886
Lot Dimensions: 22x122x122x161
Deed Restrictions: No
Waterfront: No
Waterview: Yes
Horses Y/N: No
Location Type: Island

Property Interior Info

SqFt – Heated (Primary): 1568
Total SqFt – Heated (Primary + Separate): 1568
# Rooms: 4
# Baths – Full: 2
# Baths – Half: Yes
# Baths – Total: 3
# Bedrooms: 3
Master Bedroom Level: Non Primary Living Area
Stories Total: 2
Fireplace Y/N: No

Legal Taxes

Year Built: 1996

More Information

Parking Features

Garage: Yes
Concrete: Yes
Garage Faces Front: Yes

Entry Level Information

Entry Level: Yes

Current Service Providers

Electric Provider: Jones-Onslow EMC
Internet Service Provider(s): Spectrum
Sewer Provider: Surf City
Trash Provider: Surf City
Water Provider: Surf City

Separate Living Spcs

Addl Suite Desc: in-law suite unit

HOA

Association Fee 1/Year: 375
Association Name: Island Oaks HOA
Association Phone: 7196511002

Rooms

Bedroom 2 Level: First
Bedroom 3 Level: First
Dining Room Level: Second
Kitchen Level: Second
Laundry Level: First
Living Room Level: Second
Master Bedroom Level: First
Studio Level: Ground
Bedroom 2: Yes
Bedroom 3: Yes
Dining Room: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Master Bedroom: Yes
Studio: Yes

Legal & Taxes

Tax Assessed Value: 367636
Total Real Estate Property Taxes: 4999.85
Deed Book: 4764
Deed Page: 2705
Legal: Lt 16,Pb 22/104 Island Oaks
Broker Owner: No
PID: 4224-91-3829-0000
Tax Identifier: 4224-91-3829-0000
Plat Book: 22
Plat Page: 104
Lot #: 16
Special Assessments: $450 for Dredging
Tax Year: 2025
Zoning: INCORP
HOA: Yes
Association Mandatory (Y/N): Yes
Cobra Zone: No
Federal Flood Ins Avlbl: Yes
Elementary School: North Topsail
Middle School: Topsail
High School: Topsail

Garage & Parking

Total Parking Spaces: 3
Attached Garage Spaces: 1
Detached Garage Spaces: 0
Total # Garage Spaces: 1
Total Carport Spaces: 0

HOA and Neigh Amenities

Beach Access: Yes
Beach Rights: Yes
Boat Dock: Yes
Cable TV: Yes
Maint – Comm Areas: Yes
Maint – Roads: Yes
Park: Yes
Picnic Area: Yes
Ramp: Yes
Waterfront Community: Yes

Attic

Access Only: Yes

Frontage Type

See Remarks: Yes

View Type

Ocean: Yes

Construction

Wood Frame: Yes

Unit Type

3 Bedroom: Yes
Studio: Yes

Lot Water Features

Boat Ramp: Yes
Deeded Water Access: Yes
Sound Side: Yes
Water Access Comm: Yes

Exterior Features

Outdoor Shower: Yes

Exterior Finish

Wood Siding: Yes

Terms

Cash: Yes
Conventional: Yes
FHA: Yes
VA Loan: Yes

Fencing

None: Yes

Foundation

Pilings: Yes

Patio and Porch Features

Covered: Yes
Deck: Yes
Front Porch: Yes
Rear Porch: Yes
Screened: Yes

Security Features

Smoke Detector(s): Yes

Pool Features

Hot Tub: Yes

Roof

Metal: Yes

Levels

Two: Yes

Lot Features

Cul-De-Sac: Yes
Wooded: Yes

Road Type/Frontage

Maintained: Yes
Paved: Yes
Private Road: Yes

Trash Collection

City Pick-UP: Yes

Cooling

Central Air: Yes
Heat Pump: Yes

Heated SqFt

1400 – 1599: Yes

Heating

Forced Air: Yes
Heat Pump: Yes

Heating System Fuel Source

Electric: Yes

Water Heater

Electric: Yes

Utilities

Sewer Connected: Yes
Water Connected: Yes

Sewer

Municipal Sewer: Yes

Water Source

Municipal Water: Yes

Appliances/Equip

Dishwasher: Yes
Disposal: Yes
Range: Yes
Refrigerator: Yes
Vented Exhaust Fan: Yes

Interior Features

Apt/Suite: Yes
Ceiling Fan(s): Yes
Entrance Foyer: Yes
Pantry: Yes
Reversed Floor Plan: Yes

Window Features

Thermal Windows: Yes

Laundry Features

In Hall: Yes
Laundry Closet: Yes

Dining Room Type

Combination: Yes

Home Warr/Termite

Termite Bond: Yes
Termite Company: B&T
Termite Company Phone: 9103291337

Property Features

Frontage Type: See Remarks View Type: Ocean Attic: Access Only Construction: Wood Frame Unit Type: 3 Bedroom; Studio Exterior Features: Outdoor Shower Exterior Finish: Wood Siding Fencing: None Foundation: Pilings Parking Features: Concrete; Garage Faces Front Patio and Porch Features: Covered; Deck; Front Porch; Rear Porch; Screened Pool Features: Hot Tub Roof: Metal Levels: Two Trash Collection: City Pick-UP Lot Features: Cul-De-Sac; Wooded Lot Water Features: Boat Ramp; Deeded Water Access; Sound Side; Water Access Comm Cooling: Central Air; Heat Pump Heating: Forced Air; Heat Pump Heating System Fuel Source: Electric Water Heater: Electric Utilities: Sewer Connected; Water Connected Sewer: Municipal Sewer Water Source: Municipal Water Interior Features: Apt/Suite; Ceiling Fan(s); Entrance Foyer; Pantry; Reversed Floor Plan Window Features: Thermal Windows Security Features: Smoke Detector(s) Laundry Features: In Hall; Laundry Closet Heated SqFt: 1400 – 1599 Dining Room Type: Combination HOA and Neigh Amenities: Beach Access; Beach Rights; Boat Dock; Cable TV; Maint – Comm Areas; Maint – Roads; Park; Picnic Area; Ramp; Waterfront Community Rooms: Bedroom 2; Bedroom 3; Dining Room; Kitchen; Laundry; Living Room; Master Bedroom; Studio Terms: Cash; Conventional; FHA; VA Loan

Room Information

Room Name	Level	Remarks
Master Bedroom	First
Bedroom 2	First
Bedroom 3	First
Laundry	First
Dining Room	Second	combo
Kitchen	Second	l- shaped
Living Room	Second
Studio	Ground	In-Law Suite/Office

IDX

Listing Office: Intracoastal Realty Corporation

Last Updated: September – 28 – 2026

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