Surfing Listings on North Topsail Island? We’ve Got Oceanfront Secrets to Share

North Topsail Island is a paradise for sun-seekers and investors alike—but beach markets have layers Zillow can’t show. From fluctuating insurance rates to hidden HOA quirks, here’s what to know before you plant an umbrella (and a “For Sale” sign) in the sand

1. True Oceanfront vs. Almost Oceanfront

Beach-access easements: Some lots appear to have beachfront access online but lack a direct path.
Erosion lines: Year-to-year shoreline shifts can affect setback rules and resale.
View corridors: Second-row homes on raised pilings can rival first-row vistas at 30% less.

Want more insider insight? Check out our blog on why location still matters when buying coastal property.

2. HOA & Rental Realities

North Topsail has pockets that ban short-term rentals, limit exterior colors, or set strict dune-walkover guidelines. Before you fall in love, know the bylaws.

Understanding neighborhood rules is key—start with our take on friendly neighborhoods and how to choose the right agent who knows the local restrictions.

3. Canal- & Sound-Side Upside

• Calmer waters for kayaking, paddle-boarding, and dock options

• Lower flood premiums and wind-insurance costs in many sections

• Sunset views money can’t buy on the ocean side

Dreaming of a backyard escape? You’ll love our roundup of dream backyards of 2025 for more outdoor inspiration.

4. Investment Math That Makes Sense

Vacation rentals here booked an average 66% occupancy in 2024 (AirDNA). The right floor plan—five beds, two primary suites, elevator—can outperform oceanfront cottages with fewer rooms.

Make your investment count—read up on our top 5 real estate investment strategies and the benefits of buying over renting.

Final Take

The island can be a dream or a money pit. Partner with locals who’ve closed dozens of deals up and down the strand—that’s the Castro Team advantage.
Ready to talk tides, test comps, and tour hidden gems? Schedule a call with the Castro Real Estate Team today.