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Single Family ResidenceResidential
$945,034$563 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 80How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

616 S TOPSAIL DR

HOLLY RIDGE, NC 28445
3
Beds
2
Baths
1,680 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$945K
$754K low$1.1M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$816,334
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$653,067
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.11%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$128,700
WELLS FARGO BANK NA · recorded Dec 10, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,122 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$376,179 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$158,403
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$217,776
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$376,179
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$376,179

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.126 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.95%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Cottage
CountyPender
Lot (acres)The size of the land the home sits on, from county records.0.19
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pile
HeatingThe type of heating system in the home.Heat Pump
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 656 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Surf City Middle SchoolA+
Middle · Grades 6–8 · 3.1 mi
E
Surf City Elementary SchoolB
Elementary · Grades PK–5 · 3.1 mi
H
Topsail High SchoolA
High · Grades 9–12 · 7.6 mi

District: Pender County Schools

Neighborhood · ZIP 28445These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.47

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.61%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.10,463
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.107 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,137
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,256
Average tempThe average temperature here across a full year.63°F
Annual precipHow much rain and melted snow falls here in a typical year.56 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

616 S Topsail Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 88% of homes in Pender County
  • Costs more per square foot than 90% of homes in Pender County
  • Has a smaller lot than 86% of homes in Pender County

What homes are worth in Holly Ridge 28445

Each bar is how many homes fall in that price range. The marker is this home.

This home
$140K$1.8M

This home is worth more than 75% of homes in Holly Ridge 28445.

How it measures up in Holly Ridge 28445

The dot is this home. The mark in the middle is the typical home in Holly Ridge 28445.

Estimated value$945,034
CheaperTypical $625,787Pricier

Pricier than 75% of homes nearby

Price per ft²$563
CheaperTypical $388Pricier

Pricier than 71% of homes nearby

Living area1,680 ft²
SmallerTypical 1,615 ft²Bigger

Bigger than 55% of homes nearby

Lot size0.19 ac
SmallerTypical 0.19 acBigger

Bigger than 52% of homes nearby

Year built1998
OlderTypical 2005Newer

Newer than 37% of homes nearby

How 616 S Topsail Dr ranks against every home in each area.
MeasureThis homeHolly Ridge 28445Pender County
Estimated valuepricier than$945,03475% of homes88% of homes
Price per ft²pricier than$56371% of homes90% of homes
Living areabigger than1,680 ft²55% of homes46% of homes
Lot sizebigger than0.19 ac52% of homes14% of homes
Year builtnewer than199837% of homes45% of homes

About 616 S Topsail Dr

How much is 616 S Topsail Dr, Holly Ridge, NC worth?

The TopHap Estimate for 616 S Topsail Dr, Holly Ridge, NC is $945,034 as of Jul 14, 2026. The likely range is $753,538 to $1,136,530. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 616 S Topsail Dr, Holly Ridge, NC last sell?

616 S Topsail Dr, Holly Ridge, NC last sold on Jul 14, 2003, according to the county's recorded deed.

How big is 616 S Topsail Dr, Holly Ridge, NC?

616 S Topsail Dr, Holly Ridge, NC has 3 bedrooms, 2 bathrooms, 1,680 square feet of living space and a 0.19-acre lot.

When was 616 S Topsail Dr, Holly Ridge, NC built?

616 S Topsail Dr, Holly Ridge, NC was built in 1998, making it 28 years old. It is a cottage home. The building has 2 stories.

What schools serve 616 S Topsail Dr, Holly Ridge, NC?

616 S Topsail Dr, Holly Ridge, NC is assigned to Surf City Middle School (middle), rated A+; Surf City Elementary School (elementary), rated B; Topsail High School (high), rated A. All sit in Pender County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 616 S Topsail Dr, Holly Ridge, NC compare to other homes in Holly Ridge 28445?

Among the 9,803 homes in Holly Ridge 28445, it is worth more than 75% of them ($945,034 against a typical $625,787), its price per square foot is higher than 71% of them ($563 against a typical $388), it is bigger than 55% of them (1,680 ft² against a typical 1,615 ft²), its lot is bigger than 52% of them (0.19 ac against a typical 0.19 ac) and it is newer than 37% of them (1998 against a typical 2005). Measured against all of Pender County, it is worth more than 88% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 616 S Topsail Dr, Holly Ridge, NC?

The 2024 property tax bill for 616 S Topsail Dr, Holly Ridge, NC was $3,122. The county assessed it at $376,179.

Closest homes

More homes in Holly Ridge 28445

Assigned schools

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