109 Sea Urchin CourtSurf City, NC 28445

Tucked beneath a canopy of mature live oaks in the maritime forest, this coastal retreat is located in the highly desirable soundside community of Island Oaks on Topsail Island. The neighborhood offers both beach access and a community boat ramp with deep-water access to the Intracoastal Waterway, making it ideal for boating, fishing, and all things coastal living. The main residence is a three-bedroom home designed with a reverse floor plan to maximize light, views, and outdoor living. The bedroom level includes the primary suite with a private bath, two additional bedrooms, a full guest bath, laundry area, generous storage, and a large screened porch--perfect for relaxing after a day at the beach. The upper level features the main living space with an open-concept living and dining area, a half bath, and a well-appointed kitchen with solid-surface countertops, ample cabinetry, and a pantry. An expansive deck off this level offers ocean views and captures the island breeze, creating an ideal setting for entertaining or unwinding. On the ground level, the home includes a spacious garage with room for vehicles, beach gear, and storage, along with a private, separate living space that functions as a mother-in-law suite/ADU. This area includes its own kitchenette, living space, sleeping area, and bathroom with an attached outdoor shower. Entirely separate from the main living quarters, it offers excellent flexibility for guests, extended family, or potential rental use. Thoughtfully maintained and upgraded, the home features a durable metal roof installed in 2021, rated for over 50 years and often contributing to reduced insurance costs. Both heating and cooling systems were replaced in 2024, offering efficiency and peace of mind, while upgraded windows installed in 2022 come with a lifetime, transferable warranty. The property also benefits from annual termite inspections with no history of damage. Surrounded by mature trees that provide natural wind protection, the home enjoys low-maintenance landscaping suited for coastal living. With major systems already updated and long-term expenses minimized, this property is especially appealing as a beach home or investment, offering added comfort and confidence that big-ticket items have already been taken care of. With access to both the ocean and the sound, multiple outdoor living areas, and flexible living spaces, this Island Oaks home is sure to check all of your boxes.