377 Spicer Lake DriveHolly Ridge, NC 28445

Are you searching for a home in Summerhouse on Everett Bay with an assumable VA loan? This is the one. Before you read another word, here is the number that changes everything: 2.625%. This home carries an assumable VA loan with a remaining balance of approximately $463,000 at 2.625%. Today's VA mortgage rate is over 6%. A qualified buyer who assumes this loan saves hundreds of dollars every single month for the life of the loan. Contact a VA-approved lender for current terms and eligibility specific to your situation. The math is extraordinary. Ask your lender to run it. Now, about the home itself. Some homes you tour. Some homes you feel. 377 Spicer Lake Drive is the second kind. Set inside the private gates of Summerhouse on Everett Bay, one of coastal North Carolina's most celebrated resort communities and voted Top 100 Place to Live by Ideal Living Magazine, this immaculate craftsman home sits near Spicer Lake, the largest lake in the community, and delivers the kind of lifestyle most people only experience on vacation. The floor plan is designed for real life at every stage of it. Three bedrooms and two full baths on the main floor keep daily living accessible. Upstairs, a generous bonus room with a dedicated office nook built into the front dormer and a full third bathroom creates flexible space for remote work, guests, a media room, or a teen suite. Every surface is neutral, clean, and genuinely move-in ready. The sellers are motivated and this home is priced to move. The upgrades go well beyond cosmetic. The original back porch was professionally converted to a fully heated and cooled four-season sunroom, adding genuine year-round living space. A $25,000 saltwater hot tub conveys. Whole home water filtration system. The backyard is fully fenced. A playset stays. The garage features a polished epoxy floor. Golf cart conveys. Immaculate, like-new condition throughout. Summerhouse on Everett Bay is a resort community that earns that description. Nestled along the Intracoastal Waterway between Surf City and North Topsail Beach, the community wraps residents in amenities that are genuinely extraordinary: a lazy river and resort-style pool complex adjoining a two-story clubhouse with vaulted ceilings, walls of windows, multiple fireplaces, oversized lounge seating, a full catering kitchen, a library, and a billiards room. A 24-hour fitness center with lockers and showers. Two tennis and pickleball courts. An open air pavilion, nature park with fire pit, children's playground, six scenic lakes with walking bridges and gazebos, 18 miles of walking and biking trails, boat storage, a day dock on the Intracoastal Waterway, a small vessel launch on Kings Creek, and a kayak launch. Less than 30 minutes to Wilmington. Minutes to Topsail Island beaches. No city taxes. Gated and secure. Camp Lejeune, MCAS New River, Stone Bay, and MARSOC all within comfortable reach. This is not just a home. This is a complete coastal lifestyle at a rate that no longer exists anywhere else on the market.