$1,550,000
Surf City, NC 28445
MLS# 100547126
5 beds | 6 baths | 3544 sqft
1 / 76
Property Description
WATER ACCESS! LOCATION! DOUBLE POTENTIAL INCOMING PRODUCING! FULLY FURNISHED! EASY TO SHOW! Located in the sought-after Pirates Cove community in Surf City on Topsail Island, this expansive coastal retreat doesn't just whisper opportunity, it delivers it with space, flexibility, and undeniable charm. Spanning over 3,500 square feet, this impressive 5-bedroom, 6-full-bath beach home is thoughtfully designed for versatility and comfort. Featuring two full kitchens, two living rooms, and two primary suites with attached bathrooms, the layout is perfectly suited for easy conversion into a duplex, multigenerational living, or a high-performing vacation rental setup. An elevator provides effortless access between levels, while multiple screened-in porches invite you to slow down and savor the coastal breeze. Cozy up beside one of two fireplaces, or step outside to enjoy the pergola-covered outdoor space, ideal for entertaining or relaxing after a day on the water. Situated on a corner lot with mature trees, the home offers added privacy and a true coastal neighborhood feel. The rare convenience of four garages spaces and two separate driveways provides ample parking for guests, boats, and beach gear. Located within a water-access community with a boat ramp, you're just minutes from the beach, dining, and local favorites. Best of all, this home is being sold furnished, excluding a few personal items, making it a seamless transition whether you're looking for a primary residence, second home, or investment property. Versatile. Spacious. Exceptionally located. This is more than a beach house, it's a coastal lifestyle investment with room to gather, generate, and grow. 🌊⚓. THIS HOME DOES ALLOW SHORT TERM RENTALS!
Details
Maps
Building/Ext Features
ud_i_08: 2
Property Interior Info
ud_i_10: 4
Total SqFt - Heated (Primary + Separate): 3544
# Rooms: 17
# Baths - Full: 6
# Baths - Half: 0
# Baths - Total: 6
Master Bedroom Level: Non Primary Living Area
Fireplace Y/N: Yes
SqFt - Heated (Primary): 3544
# Bedrooms: 5
Contract Info
Delayed Marketing?: No
Sub-Type: Single Family Residence
Construction Type: Stick Built
List Price/SqFt: 437.36
Stipulation of Sale: Standard
Status: Active
Marketing Start Date: 2026-01-01
Listing Price: 1550000
Current Price: $1,550,000
Location Information
City Limits: No
Marketing City: Surf City
Secondary Subdivision: N/A
Street #: 111
Street Name: Cutlass
Street Suffix: Drive
County: Pender
State/Province: NC
Zip Code: 28445
Subdivision: Pirates Cove
Geo Lat: 34.402297
Geo Lon: -77.583769
Remarks and Showing
Sign on Property: Yes
Directions to Property: Traveling North on 17, Right onto NC-210, Right onto NC-50 S, at the roundabout take 2nd exit onto NC-50, Right onto S Topsail Drive, Right onto Cutlass Drive, Home is on the Left
Property Exterior Info
New Construction: No
Lot Acres: 0.31
Lot Dimensions: IRREGULAR
Lot SqFt: 13504
Waterfront: No
Waterview: Yes
Location Type: Island
Horses Y/N: No
Legal & Taxes
Tax Assessed Value: 558084
Total Real Estate Property Taxes: 6920.24
Deed Book: 2705
Deed Page: 74
Legal: Lot 6,Pb 27/10 Pirates Cove Section II
Broker Owner: No
PID: 4224-70-2405-0000
Tax Identifier: 4224-70-2405-0000
Plat Book: 27
Plat Page: 10
Lot #: 6
Special Assessments: none known
Tax Year: 2023
Zoning: AE
HOA: Yes
Cobra Zone: No
Federal Flood Ins Avlbl: Yes
Elementary School: North Topsail
Middle School: Topsail
High School: Topsail
Garage & Parking
Total Parking Spaces: 8
Attached Garage Spaces: 4
Detached Garage Spaces: 0
Total # Garage Spaces: 4
Total Carport Spaces: 0
Parking Features
Concrete: 1
Garage: 1
Lighted: 1
Off Street: 1
HOA and Neigh Amenities
Maint - Comm Areas: 1
Maint - Roads: 1
Management: 1
Taxes: 1
Waterfront Community: 1
HOA
Association Fee 1/Year: 800
Association Name: Pirates Cove Assocaioin
Association Phone: 7047470463
Attic
Scuttle: 1
Basement
None: 1
Frontage Type
See Remarks: 1
Handicap Accessible
Accessible Doors: 1
Elevator: 1
View Type
Marsh View: 1
Sound View: 1
Water: 1
Construction
Wood Frame: 1
Lot Water Features
Boat Dock: 1
Boat Ramp: 1
Water Access Comm: 1
Exterior Finish
Vinyl Siding: 1
Terms
Cash: 1
Conventional: 1
FHA: 1
USDA Loan: 1
VA Loan: 1
Fencing
None: 1
Foundation
Slab: 1
Flooring
Carpet: 1
Tile: 1
Wood: 1
Patio and Porch Features
Balcony: 1
Covered: 1
Deck: 1
Porch: 1
Screened: 1
Pool Features
None: 1
Roof
Architectural Shingle: 1
Levels
3 Story or More: 1
Entry Level Information
Entry Level: 1
Lot Features
Corner Lot: 1
Road Type/Frontage
Maintained: 1
Paved: 1
Private Road: 1
Cooling
Ceiling Fan(s): 1
Central Air: 1
Heated SqFt
3500 - 3999: 1
Heating
Fireplace(s): 1
Forced Air: 1
Heating System Fuel Source
Electric: 1
Water Heater
Electric: 1
Utilities
Sewer Connected: 1
Water Connected: 1
Sewer
Municipal Sewer: 1
Water Source
Municipal Water: 1
Appliances/Equip
Built-In Microwave: 1
Dishwasher: 1
Dryer: 1
Electric Cooktop: 1
Electric Oven: 1
Electric Range: 1
Refrigerator: 1
Washer: 1
Fireplace Features
Gas Log: 1
Living Room: 1
Furnished
Furnished: 1
Interior Features
2nd Kitchen: 1
Blinds/Shades: 1
Ceiling Fan(s): 1
Elevator: 1
Entrance Foyer: 1
Furnished: 1
Gas Log: 1
Pantry: 1
Walk-In Closet(s): 1
Security Features
Smoke Detector(s): 1
Laundry Features
Hookup - Dryer: 1
Hookup - Washer: 1
Laundry Closet: 1
Dining Room Type
Combination: 1
Rooms
Bathroom 1: 1
Bathroom 2: 1
Bathroom 3: 1
Bathroom 4: 1
Bathroom 5: 1
Bathroom 6: 1
Bedroom 2: 1
Bedroom 3: 1
Bedroom 4: 1
Breakfast Nook: 1
Kitchen: 1
Living Room: 1
Master Bedroom: 1
Legal Taxes
Year Built: 1995
Property Features
Frontage Type: See Remarks
Handicap Accessible: Accessible Doors; Elevator
View Type: Marsh View; Sound View; Water
Attic: Scuttle
Basement: None
Construction: Wood Frame
Exterior Finish: Vinyl Siding
Fencing: None
Foundation: Slab
Parking Features: Concrete; Garage; Garage; Lighted; Off Street
Patio and Porch Features: Balcony; Covered; Deck; Porch; Screened
Pool Features: None
Roof: Architectural Shingle
Levels: 3 Story or More
Lot Features: Corner Lot
Lot Water Features: Boat Dock; Boat Ramp; Water Access Comm
Cooling: Ceiling Fan(s); Central Air
Heating: Fireplace(s); Forced Air
Heating System Fuel Source: Electric
Water Heater: Electric
Utilities: Sewer Connected; Water Connected
Sewer: Municipal Sewer
Water Source: Municipal Water
Fireplace Features: Gas Log; Living Room
Flooring: Carpet; Tile; Wood
Furnished: Furnished
Interior Features: 2nd Kitchen; Blinds/Shades; Ceiling Fan(s); Elevator; Entrance Foyer; Furnished; Gas Log; Pantry; Walk-In Closet(s)
Security Features: Smoke Detector(s)
Laundry Features: Hookup - Dryer; Hookup - Washer; Laundry Closet
Heated SqFt: 3500 - 3999
Dining Room Type: Combination
HOA and Neigh Amenities: Maint - Comm Areas; Maint - Roads; Management; Taxes; Waterfront Community
Rooms: Bathroom 1; Bathroom 2; Bathroom 3; Bathroom 4; Bathroom 5; Bathroom 6; Bedroom 2; Bedroom 3; Bedroom 4; Breakfast Nook; Kitchen; Living Room; Master Bedroom
Terms: Cash; Conventional; FHA; USDA Loan; VA Loan
Room Information
| Room Name |
| Master Bedroom |
| Master Bedroom |
| Bedroom 2 |
| Bedroom 3 |
| Bedroom 4 |
| Living Room |
| Living Room |
| Bathroom 1 |
| Bathroom 2 |
| Bathroom 3 |
| Bathroom 4 |
| Bathroom 5 |
| Bathroom 6 |
| Kitchen |
| Kitchen |
| Breakfast Nook |
| Breakfast Nook |
IDX
Listing Office: Berkshire Hathaway HomeServices Carolina Premier Properties
Last Updated: April - 07 - 2026
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