Homes under $400K for sale in Shipwatch Villas, North Topsail Beach NC

As of October 22, 2026, there are 6 homes under $400K for sale in Shipwatch Villas in North Topsail Beach, NC, with a middle asking price of $352,500 (from $285,000 to $393,000). Another 1 is under contract.

As of October 22, 2026, the middle asking price is $352,500, about $287 per square foot for a typical 1,229 sq ft. Under $300K: 1; $300K–$500K: 5.

In the 12 months through October 22, 2026, 1 sold at a middle price of $370,000, typically for 85.1% of the first asking price after about 149 days on the market.

In the 12 months through October 22, 2026 they typically sold in about 149 days, at 85.1% of the first asking price.

A mortgage payment has two parts: principal and interest, which depend on the price, your down payment and the rate a lender offers you; and the costs on top — property taxes, homeowners insurance (and flood insurance near the water), HOA dues where there's an association, and mortgage insurance if you put less than 20% down. Each home's page has a calculator that uses the rate you've been quoted and that home's own taxes and HOA dues from the listing. For your actual rate and Annual Percentage Rate (APR), ask a licensed lender — we can introduce you to Joey Milam at Alpha Mortgage Advantage, or you're free to choose any lender.