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Single Family ResidenceResidential
$909,386$601 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $245,000 on Nov 25, 2019

814 S TOPSAIL DR

SURF CITY, NC 28445
3
Beds
3
Baths
1,512 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.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$909K
$837K low$982K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$245,000 · Nov 25, 2019
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.$713,386
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$570,709
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.22%
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.$196,000
ALPHA MORTGAGE CORP · recorded Nov 25, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,307 (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.$398,378 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$183,199
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$215,179
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$398,378
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$398,378

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.139 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.96%
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.0.32
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 · 140 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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 · 7.5 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

814 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 87% of homes in Pender County
  • Costs more per square foot than 92% of homes in Pender County
  • Has a smaller lot than 73% 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
$139K$1.8M

This home is worth more than 72% 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$909,386
CheaperTypical $623,927Pricier

Pricier than 72% of homes nearby

Price per ft²$601
CheaperTypical $390Pricier

Pricier than 75% of homes nearby

Living area1,512 ft²
SmallerTypical 1,615 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.32 ac
SmallerTypical 0.19 acBigger

Bigger than 69% of homes nearby

Year built2003
OlderTypical 2005Newer

Newer than 47% of homes nearby

How 814 S Topsail Dr ranks against every home in each area.
MeasureThis homeHolly Ridge 28445Pender County
Estimated valuepricier than$909,38672% of homes87% of homes
Price per ft²pricier than$60175% of homes92% of homes
Living areabigger than1,512 ft²42% of homes36% of homes
Lot sizebigger than0.32 ac69% of homes27% of homes
Year builtnewer than200347% of homes58% of homes

About 814 S Topsail Dr

How much is 814 S Topsail Dr, Surf City, NC worth?

The TopHap Estimate for 814 S Topsail Dr, Surf City, NC is $909,386 as of Jun 23, 2026. The likely range is $836,635 to $982,136. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 814 S Topsail Dr, Surf City, NC last sell?

814 S Topsail Dr, Surf City, NC last sold on Nov 25, 2019 for $245,000, according to the county's recorded deed.

How big is 814 S Topsail Dr, Surf City, NC?

814 S Topsail Dr, Surf City, NC has 3 bedrooms, 3 bathrooms, 1,512 square feet of living space and a 0.32-acre lot.

When was 814 S Topsail Dr, Surf City, NC built?

814 S Topsail Dr, Surf City, NC was built in 2003, making it 23 years old. It is a cottage home. The building has 2 stories.

What schools serve 814 S Topsail Dr, Surf City, NC?

814 S Topsail Dr, Surf City, 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 814 S Topsail Dr, Surf City, NC compare to other homes in Holly Ridge 28445?

Among the 9,802 homes in Holly Ridge 28445, it is worth more than 72% of them ($909,386 against a typical $623,927), its price per square foot is higher than 75% of them ($601 against a typical $390), it is bigger than 42% of them (1,512 ft² against a typical 1,615 ft²), its lot is bigger than 69% of them (0.32 ac against a typical 0.19 ac) and it is newer than 47% of them (2003 against a typical 2005). Measured against all of Pender County, it is worth more than 87% 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 814 S Topsail Dr, Surf City, NC?

The 2024 property tax bill for 814 S Topsail Dr, Surf City, NC was $3,307. The county assessed it at $398,378.

Closest homes

More homes in Surf City 28445

Assigned schools

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