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About This Home

This 5-bedroom, 5-bathroom single family at 106 N Oak Drive in Surf City, NC is listed for $1,225,000 ($424 per sqft). Built in 2020, the home offers 2,887 sqft of living space on a 0.15 acres lot.

Agent 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.

Key Features

  • Built in 2020
  • 0.15 acre lot
  • 3 stories

Property Details

3 stories
3 full, 2 half
2020

Amenities

ViewA/C

Monthly Cost Estimate

$6,702/mo

20% down · 6.5% · 30 years

Principal$886
Interest$5,308
Insurance$357
HOA$150

Estimates only. Actual payments may vary.

Location

106 N Oak Drive

Surf City, NC 28445

Island Oaks

Features & Amenities

Interior Features

Walk-in Closet(s)Vaulted Ceiling(s)Entrance Foyer2nd KitchenApt/SuiteCeiling Fan(s)Walk-in ShowerBlinds/ShadesWalk-In Closet(s)

Exterior Features

Outdoor Shower

Property Details

Flooring

CarpetLvt/lvpTile

Construction

Fiber Cement Wood Frame

Views

OceanWater

Pool Features

PorchDeck

Heating

Electric (Heating)Zoned

Cooling

Zoned

Appliances

Electric OvenRefrigeratorDryerDishwasher

Questions & Answers

This 5-bedroom, 5-bathroom single family at 106 N Oak Drive is listed at $1,225,000 ($424/sqft). The estimated monthly payment is $5,458 based on 20% down at 6.5% interest.

HOA fees are $150/month.

Key features include: Built in 2020, 0.15 acre lot, 3 stories. Interior Features: Walk-in Closet(s), Vaulted Ceiling(s), Entrance Foyer. Exterior Features: Outdoor Shower.

This property is listed by Garrett D Cox and can be reached at 9105154564 or garrettdc3@gmail.com.

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GC

Garrett D Cox

Agent at Coastal Realty Associates LLC

(910) 515-4564

Listed by Coastal Realty Associates LLC

MLS# 100551394· Source: listhub· Updated 74 days ago

Copyright © 2026 Hive MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

106 N Oak Drive, Surf City, NC 28445

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