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Residential (General/Single)Residential
$230,925
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 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

SURF CITY, NC 28445
0
Baths
2,178 ft²
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$231K
$199K low$263K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$113 (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.$13,602 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$252
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$13,350
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$13,602
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$13,602

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.90 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.100%
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.Residential (General/Single)
CountyPender
Lot (acres)The size of the land the home sits on, from county records.0.05
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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 · 3.2 mi
E
Surf City Elementary SchoolB
Elementary · Grades PK–5 · 3.2 mi
H
Topsail High SchoolA
High · Grades 9–12 · 9.4 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%

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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

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 less than 94% of homes in Holly Ridge 28445
  • Has a smaller lot than 97% 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
$123K$1.7M

This home is worth more than 6% 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$230,925
CheaperTypical $608,500Pricier

Pricier than 6% of homes nearby

Lot size2,178 ft²
SmallerTypical 0.19 acBigger

Bigger than 8% of homes nearby

How ranks against every home in each area.
MeasureThis homeHolly Ridge 28445Pender County
Estimated valuepricier than$230,9256% of homes16% of homes
Lot sizebigger than2,178 ft²8% of homes3% of homes

About

How much is , Surf City, NC worth?

The TopHap Estimate for , Surf City, NC is $230,925 as of Aug 30, 2026. The likely range is $199,287 to $262,563. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did , Surf City, NC last sell?

, Surf City, NC last sold on Jul 8, 2013, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

What schools serve , Surf City, NC?

, 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 , Surf City, NC compare to other homes in Holly Ridge 28445?

Among the 9,809 homes in Holly Ridge 28445, it is worth more than 6% of them ($230,925 against a typical $608,500) and its lot is bigger than 8% of them (2,178 ft² against a typical 0.19 ac). Measured against all of Pender County, it is worth more than 16% 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 , Surf City, NC?

The 2024 property tax bill for , Surf City, NC was $113. The county assessed it at $13,602.

Closest homes

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Assigned schools

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