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John KurtzCharlotte · NC

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Oak Island · Oak Island, NC

137 NE 4th Street

Oak Island, NC · 1,175 sqft

$499,900

  • 3Beds
  • 2Baths
  • 1,175SqFt
  • 2005Year
  • 1Days on market

About this home

Oak Island Beach House | 3BR/2BA Coastal Cottage | Updated | Fenced Yard | Screened Porch | Outdoor Shower | Decks | Near Beach ~

Welcome to your ideal Oak Island beach house, where coastal charm meets modern comfort. This beautifully updated 3-bedroom, 2-bath coastal cottage offers the perfect opportunity for a primary residence, vacation home, or short-term rental investment in one of North Carolina’s fastest-growing beach communities.

Inside, you’ll find a light-filled, open layout with thoughtful updates throughout, creating a relaxed and inviting space designed for easy coastal living. The home blends functionality with charm, making it move-in ready and ideal for both everyday living and hosting guests.

Step outside to enjoy true indoor-outdoor living. The large fenced yard is perfect for pets, entertaining, or adding future outdoor features. A screened-in porch provides the perfect space for morning coffee or evening relaxation, while the upper and lower decks offer multiple areas to enjoy sunshine, coastal breezes, and outdoor dining.

Located just minutes from Oak Island beaches, public beach access, dining, shopping, and local attractions, this home offers both convenience and lifestyle. Whether you're looking for a beach getaway, investment property, Airbnb/VRBO opportunity, or full-time coastal residence, this home checks all the boxes.

Don’t miss your chance to own a piece of Oak Island real estate and experience the best of North Carolina coastal living.

Property details

Beds
3
Baths
2
SqFt
1,175
Lot
Year built
2005
Type
Single Family
Days on market
1
Heating
Central
Cooling
Central Air
Foundation
Crawl Space
Flooring
Tile, Vinyl

Features

  • Walk-In Closet(s)
  • Outdoor Shower

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$3,679/ month

Principal & interest
$3,096
Property tax (~1.05%)
$437
Homeowners insurance
$145
HOA dues

Down payment

$24,995 down · $474,905 financed

Income to qualify (28% rule)

~$157,681 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.