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111 Cutlass Drive, Surf City, NC 28445

$1,650,000

Property Type: Residential Bedrooms: 5 Baths: 6 Square Footage: 3,544 Lot Size (sq. ft.): 13,504 Status: Active

Current Price: $1,650,000 List Date: 1/01/2026 Last Modified: 3/16/2026

Overview

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!

Listing Details MLS# 100547126

Contract Info

Sub-Type: Single Family Residence
Construction Type: Stick Built
Delayed Marketing?: No
Marketing Start Date: 2026-01-01
Listing Price: 1650000
List Price/SqFt: 465.58
Stipulation of Sale: Standard

Location Information

Street #: 111
Street Name: Cutlass
Street Suffix: Drive
County: Pender
State/Province: NC
Zip Code: 28445
City Limits: No
Marketing City: Surf City
Subdivision: Pirates Cove
Secondary Subdivision: N/A

Remarks and Showing

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
Sign on Property: Yes

Property Exterior Info

New Construction: No
Lot Acres: 0.31
Lot SqFt: 13504
Lot Dimensions: IRREGULAR
Waterfront: No
Waterview: Yes
Horses Y/N: No
Location Type: Island

Property Interior Info

SqFt - Heated (Primary): 3544
Total SqFt - Heated (Primary + Separate): 3544
# Rooms: 17
# Baths - Full: 6
# Baths - Total: 6
# Bedrooms: 5
Master Bedroom Level: Non Primary Living Area
ud_i_10: 4
Fireplace Y/N: Yes
# Baths - Half: 0

Legal Taxes

Year Built: 1995

More Information

Entry Level Information

Entry Level: Yes

HOA

Association Fee 1/Year: 800
Association Name: Pirates Cove Assocaioin
Association Phone: 7047470463

Building/Ext Features

ud_i_08: 2

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: Yes
Garage: Yes
Lighted: Yes
Off Street: Yes

HOA and Neigh Amenities

Maint - Comm Areas: Yes
Maint - Roads: Yes
Management: Yes
Taxes: Yes
Waterfront Community: Yes

Attic

Scuttle: Yes

Basement

None: Yes

Frontage Type

See Remarks: Yes

Handicap Accessible

Accessible Doors: Yes
Elevator: Yes

View Type

Marsh View: Yes
Sound View: Yes
Water: Yes

Construction

Wood Frame: Yes

Lot Water Features

Boat Dock: Yes
Boat Ramp: Yes
Water Access Comm: Yes

Exterior Finish

Vinyl Siding: Yes

Terms

Cash: Yes
Conventional: Yes
FHA: Yes
USDA Loan: Yes
VA Loan: Yes

Fencing

None: Yes

Foundation

Slab: Yes

Flooring

Carpet: Yes
Tile: Yes
Wood: Yes

Patio and Porch Features

Balcony: Yes
Covered: Yes
Deck: Yes
Porch: Yes
Screened: Yes

Pool Features

None: Yes

Roof

Architectural Shingle: Yes

Levels

3 Story or More: Yes

Lot Features

Corner Lot: Yes

Road Type/Frontage

Maintained: Yes
Paved: Yes
Private Road: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heated SqFt

3500 - 3999: Yes

Heating

Fireplace(s): Yes
Forced Air: Yes

Heating System Fuel Source

Electric: Yes

Water Heater

Electric: Yes

Utilities

Sewer Connected: Yes
Water Connected: Yes

Sewer

Municipal Sewer: Yes

Water Source

Municipal Water: Yes

Appliances/Equip

Built-In Microwave: Yes
Dishwasher: Yes
Dryer: Yes
Electric Cooktop: Yes
Electric Oven: Yes
Electric Range: Yes
Refrigerator: Yes
Washer: Yes

Fireplace Features

Gas Log: Yes
Living Room: Yes

Furnished

Furnished: Yes

Interior Features

2nd Kitchen: Yes
Blinds/Shades: Yes
Ceiling Fan(s): Yes
Elevator: Yes
Entrance Foyer: Yes
Furnished: Yes
Gas Log: Yes
Pantry: Yes
Walk-In Closet(s): Yes

Security Features

Smoke Detector(s): Yes

Laundry Features

Hookup - Dryer: Yes
Hookup - Washer: Yes
Laundry Closet: Yes

Dining Room Type

Combination: Yes

Rooms

Bathroom 1: Yes
Bathroom 2: Yes
Bathroom 3: Yes
Bathroom 4: Yes
Bathroom 5: Yes
Bathroom 6: Yes
Bedroom 2: Yes
Bedroom 3: Yes
Bedroom 4: Yes
Breakfast Nook: Yes
Kitchen: Yes
Living Room: Yes
Master Bedroom: Yes

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

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

Listing Office: Berkshire Hathaway HomeServices Carolina Premier Properties

IDX

Last Updated: March - 16 - 2026

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