$1,550,000
Surf City, NC 28445
MLS# 100567564
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
Contract Info
Delayed Marketing?: No
Sub-Type: Duplex
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: 34.402306
Geo Lon: -77.583784
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
Building Info
New Construction: No
Property Exterior/Interior Info
Lot Acres: 0.31
Lot SqFt: 13504
Lot Dimensions: IRREGULAR
Waterfront: No
Waterview: Yes
Location Type: Island
# Baths - Total: 6
# Total Units: 2
Fireplace Y/N: Yes
Owner Occupied: No
Property Mgmt Company: No
Financials Available: No
Legal and Taxes
Tax Assessed Value: 558084
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
Total Real Estate Property Taxes: 6920.24
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
Year Built: 1995
Garage & Parking
Attached Garage Spaces: 4
Detached Garage Spaces: 0
Total # Garage Spaces: 4
Total Carport Spaces: 0
Parking Features
Concrete: 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 Ramp: 1
Water Access Comm: 1
Exterior Finish
Vinyl Siding: 1
Terms
1031 Exchange: 1
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
Fuel Tank
None: 1
Patio and Porch Features
Balcony: 1
Covered: 1
Deck: 1
Porch: 1
Screened: 1
Pool Features
None: 1
Roof
Architectural Shingle: 1
Levels
Three Or More: 1
Entry Level Information
Entry Level: 1
Lot Description
Corner Lot: 1
Road Type/Frontage
Maintained: 1
Paved: 1
Private Road: 1
Cooling
Ceiling Fan(s): 1
Central Air: 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
Water Source
Municipal Water: 1
Sewer
Municipal Sewer: 1
Appliances/Equip
Built-In Microwave: 1
Dishwasher: 1
Dryer: 1
Electric Cooktop: 1
Electric Oven: 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
Furnished: 1
Gas Log: 1
Pantry: 1
Security Features
Smoke Detector(s): 1
Laundry Location
Hookup - Dryer: 1
Hookup - Washer: 1
In Hall: 1
Dining Room Type
Combination: 1
Side/Unit 1
Total Rooms: 10
# of Bedrooms: 3
Full Baths: 4
Avg SqFt: 1772
Furnished: Yes
Rent: 0
Occupied: No
Side/Unit 1 Cooling
Central: 1
Side/Unit 1 Heating
Electric: 1
Forced Air: 1
Side/Unit 1 Appliance
Cooktop - Electric: 1
Dishwasher: 1
Dryer: 1
Ice Maker: 1
Microwave Built-In: 1
Refrigerator: 1
Stove/Oven - Electric: 1
Vent Hood: 1
Washer: 1
Side/Unit 1 Features
Dining Room: 1
Fireplace: 1
Kitchen: 1
Living Room: 1
Patio/Balcony/Deck: 1
Utility Room: 1
W/D Hookup: 1
Side/Unit 1 Rent Frequency
Other: 1
Side/Unit 1 Owner Pays
Cable: 1
Cooling: 1
Electric: 1
Gas: 1
Heating: 1
HOA: 1
Lawn Maintenance: 1
Pest Control: 1
Snow Removal: 1
Water/Sewer: 1
Insurance: 1
Side/Unit 2
Total Rooms: 7
# of Bedrooms: 2
Full Baths: 3
Avg SqFt: 1772
Furnished: Yes
Rent: 0
Occupied: No
Side/Unit 2 Cooling
Central: 1
Side/Unit 2 Heating
Electric: 1
Forced Air: 1
Side/Unit 2 Appliance
Cooktop - Electric: 1
Dishwasher: 1
Dryer: 1
Ice Maker: 1
Microwave Built-In: 1
Refrigerator: 1
Stove/Oven - Electric: 1
Vent Hood: 1
Washer: 1
Side/Unit 2 Features
Dining Room: 1
Extra Storage: 1
Fireplace: 1
Kitchen: 1
Living Room: 1
Patio/Balcony/Deck: 1
Utility Room: 1
W/D Hookup: 1
Side/Unit 2 Rent Frequency
Other: 1
Side/Unit 2 Owner Pays
Cable: 1
Cooling: 1
Electric: 1
Gas: 1
Heating: 1
HOA: 1
Lawn Maintenance: 1
Pest Control: 1
Snow Removal: 1
Water/Sewer: 1
Insurance: 1
Property ExteriorInterior Info
# Bedrooms: 5
SqFt - Heated (Primary): 3544
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
Fuel Tank: None
Parking Features: Concrete; Lighted; Off Street
Patio and Porch Features: Balcony; Covered; Deck; Porch; Screened
Pool Features: None
Roof: Architectural Shingle
Levels: Three Or More
Lot Water Features: 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
Water Source: Municipal Water
Sewer: Municipal Sewer
Fireplace Features: Gas Log; Living Room
Flooring: Carpet; Tile; Wood
Furnished: Furnished
Interior Features: 2nd Kitchen; Blinds/Shades; Ceiling Fan(s); Elevator; Gas Log; Pantry
Security Features: Smoke Detector(s)
Laundry Location: Hookup - Dryer; Hookup - Washer; In Hall
Dining Room Type: Combination
HOA and Neigh Amenities: Maint - Comm Areas; Maint - Roads; Management; Taxes; Waterfront Community
Terms: 1031 Exchange; Cash; Conventional; FHA; USDA Loan; VA Loan
IDX
Listing Office: Berkshire Hathaway HomeServices Carolina Premier Properties
Last Updated: April - 16 - 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.