Just a short walk from Surf City's beautiful beaches, local restaurants, and shopping, this stunning Harbor Oak home places you in the heart of everything Topsail Island has to offer. Located in the highly sought-after Surf City school district, this home is perfectly designed for relaxed coastal living and effortless entertaining. The private backyard offers a peaceful retreat. Inside, the first floor features a formal dining room that flows into an expansive butler's pantry and into the well-appointed kitchen. The kitchen is a true centerpiece, boasting a granite island, 36-inch staggered cabinets with crown molding, tile backsplash, and stainless steel KitchenAid appliances, all opening seamlessly to the living room. Luxury Vinyl Plank flooring runs throughout the main living areas, providing a stylish wood-look finish with the durability needed for beach life. The coastal trim package adds a charming reminder that the ocean is just minutes away. The owner's suite spans the entire back of the home and includes a comfortable sitting area. The en-suite bath features a spacious 5-foot walk-in shower, a garden tub, and a dual vanity. Upstairs, a large loft with closets offers flexible space for a home office, media room, or guest area. Incentive available: Appraisal fee waived when financing is completed with our preferred lender, subject to loan approval.