106 N Oak Drive, Surf City, NC 28445 (MLS# 100551394)

106 N Oak Drive, Surf City, NC 28445

$1,225,000

22206 - 106 N Oak Drive-3rd and 4th Floo

22206 - 106 N Oak Drive-1st and 2nd Floo

28 S Oak Ct Surf City NC 28445-print-026

28 S Oak Ct Surf City NC 28445-print-027

28 S Oak Ct Surf City NC 28445-print-028

116 S Oak Dr Surf City NC-large-028-24-D

116 S Oak Dr Surf City NC-large-029-30-D

116 S Oak Dr Surf City NC-large-030-27-D

Property Type: Residential Bedrooms: 5 Baths: 5 Square Footage: 2,887 Lot Size (sq. ft.): 6,534 Status: Active

Current Price: $1,225,000 List Date: 3/18/2026 Last Modified: 4/17/2026

Overview

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 over ... (Read more)

Open Houses

Tomorrow, 11:30 am - 1:00 pm

Listing Details MLS# 100551394

Contract Info

Sub-Type: Single Family Residence
Construction Type: Stick Built
Marketing Start Date: 2026-01-26
Listing Price: 1225000
List Price/SqFt: 424.32
Stipulation of Sale: Standard

Location Information

Street #: 106
Pre Direction: N
Street Name: Oak
Street Suffix: Drive
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: From NC - 50 South. At traffic circle, continue straight onto NC-210/NC-50/ Surf City Bridge. Keep right to continue onto S Topsail Drive. Turn right onto Sound Dr. Turn right onto N Oak Dr. 106 N Oak Dr., Surf City, NC 28445
Sign on Property: Yes

Property Exterior Info

New Construction: No
Lot Acres: 0.15
Lot SqFt: 6534
Lot Dimensions: 50x130
Waterfront: No
Waterview: Yes
Location Type: Island

Property Interior Info

SqFt - Heated (Primary): 2887
SqFt - Below Grade: 831
Total SqFt - Heated (Primary + Separate): 2887
# Rooms: 10
# Baths - Full: 3
# Baths - Half: 2
# Baths - Total: 5
# Bedrooms: 5
Master Bedroom Level: Non Primary Living Area
ud_i_10: 3
Fireplace Y/N: No

Legal Taxes

Year Built: 2020

More Information

Entry Level Information

Entry Level: 2

Current Service Providers

Electric Provider: Jones-Onslow EMC
Sewer Provider: City/Town
Water Provider: Public Water

Separate Living Spcs

Addl Suite Desc: Ground Floor
Addl w/Kitchen Desc: Ground Floor

HOA and Neigh Amenities

Club Membership: None Selected
Beach Access: Yes
Maint - Comm Areas: Yes
Maint - Roads: Yes
Ramp: Yes
Street Lights: Yes
Taxes: Yes
Waterfront Community: Yes

HOA

Association Fee 1/Year: 150
Association Name: Island Oaks HOA
Association Phone: 9105383252
HOA 1 Mgmt. Company: Vickie Farris
HOA 1 Mgmt. Phone: 901-328-1387

Rooms

Bedroom 1 Level: First
Bedroom 2 Level: Second
Bedroom 3 Level: Second
Bedroom 5 Level: Third
Dining Room Level: First
Kitchen Level: First
Laundry Level: First
Living Room Level: First
Master Bedroom Level: Second
Studio Level: Ground
Bedroom 1: Yes
Bedroom 2: Yes
Bedroom 3: Yes
Bedroom 5: Yes
Dining Room: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Master Bedroom: Yes
Studio: Yes

Legal & Taxes

Tax Assessed Value: 428007
Total City Real Estate Property Tax: 547
Total Real Estate Property Taxes: 5307.29
Deed Book: 926
Deed Page: 147
Legal: LT 14,PB 23/35 ISLAND OAKS
Broker Owner: No
PID: 4224-92-8324
Tax Identifier: 4224-92-8324-0000
Plat Book: 23
Plat Page: 15
Lot #: 14
Special Assessments: unknown
Tax Year: 2023
Zoning: INCORP
HOA: Yes
Cobra Zone: No
Federal Flood Ins Avlbl: Yes
Elementary School: Surf City
Middle School: Surf City
High School: Topsail

Showing Instructions

24 Hour Notice: Yes

Garage & Parking

Total Parking Spaces: 6
Attached Garage Spaces: 0
Detached Garage Spaces: 0
Total # Garage Spaces: 0
Underhouse Spaces: 2
Total Carport Spaces: 0

Parking Features

Attached: Yes

Frontage Type

See Remarks: Yes

View Type

ICW View: Yes
Marsh View: Yes
Ocean: Yes
Sound View: Yes
Water: Yes

Construction

Wood Frame: Yes

Lot Water Features

Boat Ramp: Yes
Deeded Beach Access: Yes
Deeded Water Access: Yes
Third Row: Yes
Water Access Comm: Yes

Exterior Features

Outdoor Shower: Yes

Exterior Finish

Fiber Cement: Yes

Terms

Cash: Yes
Conventional: Yes
VA Loan: Yes

Fencing

None: Yes

Foundation

Pilings: Yes

Flooring

Carpet: Yes
LVT/LVP: Yes
Tile: Yes

Patio and Porch Features

Covered: Yes
Deck: Yes
Front Porch: Yes
Open: Yes
Porch: Yes
Rear Porch: Yes

Pool Features

Hot Tub: Yes

Roof

Shingle: Yes

Levels

3 Story or More: Yes

Lot Features

Wooded: Yes

Road Type/Frontage

Paved: Yes
Private Road: Yes

Trash Collection

City Pick-UP: Yes

Cooling

Zoned: Yes

Heated SqFt

2800 - 2999: Yes

Heating

Zoned: 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
Dryer: Yes
Electric Oven: Yes
Refrigerator: Yes

Furnished

Negotiable: Yes

Interior Features

2nd Kitchen: Yes
Apt/Suite: Yes
Blinds/Shades: Yes
Ceiling Fan(s): Yes
Entrance Foyer: Yes
Vaulted Ceiling(s): Yes
Walk-in Shower: Yes
Walk-In Closet(s): Yes

Laundry Features

Laundry Closet: Yes

Dining Room Type

Combination: Yes
Formal: Yes

Property Features

Showing Instructions: 24 Hour Notice Frontage Type: See Remarks View Type: ICW View; Marsh View; Ocean; Sound View; Water Construction: Wood Frame Exterior Features: Outdoor Shower Exterior Finish: Fiber Cement Fencing: None Foundation: Pilings Parking Features: Attached Patio and Porch Features: Covered; Deck; Front Porch; Open; Porch; Rear Porch Pool Features: Hot Tub Roof: Shingle Levels: 3 Story or More Trash Collection: City Pick-UP Lot Features: Wooded Lot Water Features: Boat Ramp; Deeded Beach Access; Deeded Water Access; Third Row; Water Access Comm Cooling: Zoned Heating: Zoned Heating System Fuel Source: Electric Water Heater: Electric Utilities: Sewer Connected; Water Connected Sewer: Municipal Sewer Water Source: Municipal Water Flooring: Carpet; LVT/LVP; Tile Furnished: Negotiable Interior Features: 2nd Kitchen; Apt/Suite; Blinds/Shades; Ceiling Fan(s); Entrance Foyer; Vaulted Ceiling(s); Walk-in Shower; Walk-In Closet(s) Laundry Features: Laundry Closet Heated SqFt: 2800 - 2999 Dining Room Type: Combination; Formal HOA and Neigh Amenities: Beach Access; Maint - Comm Areas; Maint - Roads; Ramp; Street Lights; Taxes; Waterfront Community Rooms: Bedroom 1; Bedroom 2; Bedroom 3; Bedroom 5; Dining Room; Kitchen; Laundry; Living Room; Master Bedroom; Studio Terms: Cash; Conventional; VA Loan

Room Information

Room Name	Level
Living Room	First
Kitchen	First
Bedroom 1	First
Dining Room	First
Laundry	First
Bedroom 2	Second
Bedroom 3	Second
Laundry	Second
Master Bedroom	Second
Bedroom 5	Third
Kitchen	Ground
Studio	Ground

Listing Office: Coastal Realty Associates LLC

IDX

Last Updated: April - 17 - 2026

Copyright 2024 NCRMLS. All rights reserved. North Carolina Regional Multiple Listing Service, (NCRMLS), provides content displayed here (“provided content”) on an “as is” basis and makes no representations or warranties regarding the provided content, including, but not limited to those of non-infringement, timeliness, accuracy, or completeness. Individuals and companies using information presented are responsible for verification and validation of information they utilize and present to their customers and clients. NCRMLS will not be liable for any damage or loss resulting from use of the provided content or the products available through Portals, IDX, VOW, and/or Syndication. Recipients of this information shall not resell, redistribute, reproduce, modify, or otherwise copy any portion thereof without the expressed written consent of NCRMLS.