For saleReduced $27,000 from $635,000Virtual tour

$608,000

4 beds2,604 sq ft0.21 acres

522 Moss Lake LnHolly Ridge, NC 28445

Homes, condos and townhomes · MLS 11863147 · Listed 112 days ago (Jul 9, 2026)

Pond · Waterfront, relationship not specified · Waterfront details

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For sale: Listed and available according to the MyStateMLS feed.

About this property

Serene WATER VIEWS and like-new condition come together at this beautifully maintained home in Summerhouse On Everett Bay, one of coastal North Carolina's most sought-after resort-style communities. Perfectly positioned for views of Moss Lake, this 1.5-story residence offers over 2,600 square feet with 4 bedrooms and 3 baths - and shows like the day it was built. The bright, open-concept main level welcomes you with a stunning coffered ceiling in the living room, anchored by a sleek glass-rock electric fireplace. The kitchen is built to gather around: an 8-foot island, granite counters, abundant cabinetry and a walk-in pantry. The adjoining dining area is wrapped in walls of windows that frame tranquil lake views from your table. The main-floor primary suite features a trey ceiling, walk-in closet, and a spa-like ensuite with walk-in shower, soaking tub, and dual vanities. Two additional bedrooms share a full bath on the main level, while the finished second floor offers an ensuite bedroom/bonus room - ideal for guests or flex space. A spacious laundry room with sink leads to a garage complete with workbenches. Outside, the screened porch overlooks your private backyard retreat, where a pergola and established gardens spill toward the shimmering waters of Moss Lake - a view you'll enjoy morning coffee to sunset. Summerhouse on Everett Bay delivers exceptional amenities: a spectacular clubhouse, resort-style pool, fitness center, sports courts, playground, and miles of walking trails. Boaters will love the day docks, boat storage, and launch with access to the Intracoastal Waterway. Move-in ready, meticulously kept, and framed by the water -- start living the coastal lifestyle you've dreamed of at 522 Moss Lake Lane. Lender credit equal to 1.50% of the loan amount or amount allowed per program guidelines available to an eligible buyer financing the purchase of this property through Atlantic Bay Mortgage Group, L.L.C. Terms and availability are subject to change at any time.

Description provided by the listing brokerage.

MLS-reported waterfront

Waterfront details

The listing reports the property as waterfront but does not say how it meets the water. Ask the listing agent whether the parcel itself adjoins the shoreline.

Relationship to the water
Waterfront, relationship not specified
Water type
Pond
Water body
Not provided. Ask the listing agent.
Frontage length
Not provided. Ask the listing agent.
Water access arrangement
Not provided. Ask the listing agent.
Docks, slips, lifts, moorings
Not provided. Ask the listing agent.
Dock depth
Not provided. Ask the listing agent.
Shoreline
Not provided. Ask the listing agent.
Seasonal or tidal conditions
Not provided. Ask the listing agent.
Boating limits (bridges, depth, open-water access)
Not provided. Ask the listing agent.
Why this is listed as waterfront
  • WaterfrontYN “Yes”: The listing is marked waterfront.
  • WaterfrontFeatures “Pond”: Describes the water without a frontage value.
  • PropertyTypeDetail “residential”: Property form used to read the frontage relationship.

Classified from fields in the MyStateMLS listing data. It has not been independently verified, and it is not a survey, title examination or legal determination of shoreline or access rights. Rules version 2026-10-29.1. How we classify waterfront

Something wrong with this classification? Report a waterfront classification issue. Questions about frontage, docks or access are best answered by Ryan Smith of LPT REALTY LLC.

Facts

List price
$608,000
Original list price
$635,000
Status
For sale
Property type
Homes, condos and townhomes (Farm)
Bedrooms
4
Full baths
3
Interior area
2,604 sq ft
Lot size
0.21 acres
Year built
2019
Garage spaces
2
County
Onslow County
HOA / association fee
$147 monthly
MLS number
11863147

Facts are reported by the listing brokerage. Items not listed were not provided; that does not mean the property lacks them.

Features

Interior

  • Walk-In Closet(s)
  • Entrance Foyer
  • Master Downstairs

Appliances

  • Washer
  • Stainless Steel Appliance(s)
  • Range
  • Microwave
  • Refrigerator
  • Dryer
  • Disposal
  • Dishwasher

Flooring

  • Tile
  • Carpet

Heating

  • Heat Pump
  • Electric

Construction

  • Cement Siding

Roof

  • Asphalt

Water

  • Public (Water Source)

Sewer

  • Other

Lot

  • Sprinklers In Front

Virtual tours

Location

The pin is the listing's reported coordinates and may be approximate. It is not a parcel boundary or shoreline, and no flood, wetland or hazard conclusion should be drawn from it. See more listings in Holly Ridge.

Price and status history

  • Original list price reported by the brokerage: $635,000

Changes observed by Waterfront Homes in MyStateMLS data since Oct 29, 2026. This is not a public-record sales history; MyStateMLS does not publish sold prices.

Estimate a monthly payment

$121,600
Illustrative. Replace with a quote from your lender.
Estimate. Check the county assessor for the actual amount.
Get a quote; rates vary widely by location.
Manufactured homes on a leased lot.
Applied only while the loan is over 80% of the price. Illustrative.

Estimated monthly payment

$3,907 per month

Principal and interest$3,074
Property tax$507
Homeowners insurance$179
HOA dues$147
Loan amount$486,400
Total interest over the term$620,376

An estimate for comparison only, not a loan offer or approval. Actual rates, taxes, insurance, PMI and fees depend on your lender, credit, location and loan program.

Questions to ask before you buy

Questions worth investigating for any waterfront property. They are not claims that this property has a problem or meets any condition.

  1. Who owns the shoreline and the land under the water, and are there easements or public-access rights along it?Ownership can stop at a high-water line, a survey line or a seawall. A title search and survey answer this, not the listing.
  2. Is a dock, slip, lift or mooring included, and do the rights transfer to you?Docks can be shared, leased, assigned by an association or held under a permit that does not automatically transfer.
  3. What permits exist for the dock, seawall or other shoreline structures, and what would new work require?Shoreline work is often regulated by local, state and federal agencies.
  4. How much does the water level change by season, by tide or by reservoir management?Depth at a dock in one season can differ a lot in another.
  5. What does flood insurance cost for this property, and what does the current flood map show?Get a quote from an insurer or agent. A flood zone is not a premium, and no zone does not mean no risk.
  6. What maintenance does the shoreline need (seawall, bulkhead, riprap, erosion), and what has been done recently?Shoreline structures are expensive to repair; ask for records and inspection reports.
  7. How are water, sewer or septic, and power provided?Waterfront septic systems and wells can have extra rules and inspections.
  8. How do you reach the property by road year-round, and who maintains that road?Some waterfront roads are private, seasonal or shared.
  9. What local rules apply: rentals, docks, boat lifts, fences, tree removal, setbacks?Rules come from the town, county, state, lake authority or association and vary widely.

Printable due-diligence checklist · Ownership budget planner · FEMA Flood Map Service Center (official flood maps; look up the address yourself)

Guides and next steps

Listing courtesy of LPT REALTY LLC. Listing agent: Ryan Smith. Listings provided by MyStateMLS.

Listing last updated by the brokerage Oct 26, 2026, 8:58 PM UTC. Waterfront Homes last received MyStateMLS data Oct 29, 2026, 8:31 PM UTC. Information is deemed reliable but not guaranteed; verify all details with the listing agent.