# 21 S Oak Drive, Surf City, NC 28445 > **TL;DR:** 3bd/3ba single family, $799,999 ($464/sqft), built 1996, 1,724 sqft. > A/C, 4-car garage. Est. $4,278/mo. Listed 103 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $799,999 | | Price/sqft | $464 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 1,724 | | Year Built | 1996 | | Lot Size | 6,098 sqft (0.14 acres) | | Stories | 2 | | Garage | 4-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 103 | ## Why This Home Stands Out - **Large Garage** - 4-car garage ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $4,045 | | Estimated Insurance | $233 | | **Total** | **$4,278** | ## Nearby Schools - **Elementary:** Surf City - **Middle:** Surf City - **High:** Topsail ## Key Amenities - A/C - 4-car garage ## Property Highlights - Built in 1996 - 0.14 acre lot - 2 stories - 4 parking spaces ## Description ### Agent Description Welcome to the serene community of Pleasant Cove where there is no HOA! This 3 bed, 2 1/2 bath on a corner lot with a top floor view of the sound is a rare find in this community. In this reverse floorplan home, the upper floor is the definition of an open concept with a large living area, large dining area, and large kitchen. The kitchen was remodeled in 2024 from top to bottom with new cabinetry, quartz counter tops and new appliances. Even the upper level half bath is large and remodeled. Storage is no issue as all bed rooms have nice sized closets with two being walk-ins. The primary bedroom bath has double sinks and the laundry closet. Beach friendly flooring with bamboo floors in living areas and ceramic tile in wet areas. Love the outdoors? Find a nice place to relax on one of the three decks. Just one road over on Sand Ct. there is a community walkway/shortcut that leads to a public beach access. Under the house are two carport areas and a 15 x 6 storage area for tools and/or those beach toys. The rear yard has trees while the front is mostly grassy with an irrigation system to keep things green. Ample parking for friends and family is found in the driveway with a pervious surface. In 2025 the owners' added a one stop (upper floor) exterior lift to help get those groceries in the home. This home is well suited as a primary residence, second home retreat or rental. ## Location - **Address:** 21 S Oak Drive, Surf City, NC 28445 - **County:** Pender - **Neighborhood:** Pleasant Cove - **Coordinates:** 34.404123, -77.580708 - **Google Maps:** https://www.google.com/maps?q=34.404123,-77.580708 ## Virtual Tour & Media - **Video Tour:** https://player.vimeo.com/video/1212664543?badge=0&autopause=0&player_id=0&app_id=58479 ## Listing Agent - **Name:** Terrie Hardy · **License:** 283764 - **Brokerage:** Wicker Properties of the Carolinas Inc. - **Broker Phone:** (910) 686-5588 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/21-S-Oak-Dr_Surf-City_NC_28445_M51607-13523?f=listhub&s=HIVEMLSNC&m=100590074&c=propsimple) ## Photos ![21 S Oak Drive - Photo 1](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3539520740r.jpg) ![21 S Oak Drive - Photo 2](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f2642534821r.jpg) ![21 S Oak Drive - Photo 3](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f1302416322r.jpg) ![21 S Oak Drive - Photo 4](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3777588794r.jpg) ![21 S Oak Drive - Photo 5](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f1925304951r.jpg) ![21 S Oak Drive - Photo 6](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3025410574r.jpg) ![21 S Oak Drive - Photo 7](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f4246722892r.jpg) ![21 S Oak Drive - Photo 8](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3830404078r.jpg) ![21 S Oak Drive - Photo 9](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f2436046842r.jpg) ![21 S Oak Drive - Photo 10](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f1537427077r.jpg) ![21 S Oak Drive - Photo 11](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f4014012120r.jpg) ![21 S Oak Drive - Photo 12](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3811064604r.jpg) ![21 S Oak Drive - Photo 13](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3860041419r.jpg) ![21 S Oak Drive - Photo 14](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3537743335r.jpg) ![21 S Oak Drive - Photo 15](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f833275153r.jpg) ![21 S Oak Drive - Photo 16](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f219899384r.jpg) ![21 S Oak Drive - Photo 17](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3600748252r.jpg) ![21 S Oak Drive - Photo 18](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f1375267535r.jpg) ![21 S Oak Drive - Photo 19](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f501455725r.jpg) ![21 S Oak Drive - Photo 20](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f934337894r.jpg) ![21 S Oak Drive - Photo 21](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3416082689r.jpg) ![21 S Oak Drive - Photo 22](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f2246312515r.jpg) ![21 S Oak Drive - Photo 23](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f835397934r.jpg) ![21 S Oak Drive - Photo 24](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3323384515r.jpg) ![21 S Oak Drive - Photo 25](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f2755352033r.jpg) ![21 S Oak Drive - Photo 26](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f2127533146r.jpg) ![21 S Oak Drive - Photo 27](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3115847169r.jpg) ![21 S Oak Drive - Photo 28](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f2106237146r.jpg) ![21 S Oak Drive - Photo 29](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f1501947133r.jpg) ![21 S Oak Drive - Photo 30](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f2837112210r.jpg) ![21 S Oak Drive - Photo 31](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f316791057r.jpg) ![21 S Oak Drive - Photo 32](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f690870616r.jpg) ![21 S Oak Drive - Photo 33](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f1274814082r.jpg) ![21 S Oak Drive - Photo 34](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f658548381r.jpg) ![21 S Oak Drive - Photo 35](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3641970573r.jpg) ![21 S Oak Drive - Photo 36](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3309621268r.jpg) ![21 S Oak Drive - Photo 37](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3530447039r.jpg) ![21 S Oak Drive - Photo 38](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f130648473r.jpg) ![21 S Oak Drive - Photo 39](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f4192912467r.jpg) ![21 S Oak Drive - Photo 40](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f571327031r.jpg) ![21 S Oak Drive - Photo 41](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3741398059r.jpg) ![21 S Oak Drive - Photo 42](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f1485837577r.jpg) ![21 S Oak Drive - Photo 43](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3026469840r.jpg) ![21 S Oak Drive - Photo 44](http://lh.rdcpix.com/afc639ebb10d8fd08889aff8ca92ed90l-f3072654830r.jpg) --- **MLS#:** 100590074 | **Updated:** 2026-10-23 **Source:** listhub *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.* [View on PropertySimple](https://staging.propertysimple.ai/listing/21-s-oak-drive-surf-city-nc-28445-38d314c18a3943bb9af1d2aac0225aa3) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/21-s-oak-drive-surf-city-nc-28445-38d314c18a3943bb9af1d2aac0225aa3#listing", "url": "https://staging.propertysimple.ai/listing/21-s-oak-drive-surf-city-nc-28445-38d314c18a3943bb9af1d2aac0225aa3", "name": "21 S Oak Drive, Surf City, NC 28445", "description": "Welcome to the serene community of Pleasant Cove where there is no HOA! This 3 bed, 2 1/2 bath on a corner lot with a top floor view of the sound is a rare find in this community. 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