What are the HOA fees at Ocean Reef?

HOA fees at Ocean Reef are approximately $549/month (MLS-verified median). Fees may vary by unit size — see the range listed above. Always confirm the current fee directly with the HOA before purchasing.

When was Ocean Reef built?

Ocean Reef was built in 1992. Buyers of older coastal buildings should review the reserve study, roof replacement history, and any recent structural inspections before making an offer.

Can I rent out my unit at Ocean Reef as a vacation rental?

Yes — Ocean Reef permits short-term vacation rentals. Rental policies, minimum stay requirements, and any HOA rental caps should be confirmed in the current CC&Rs before purchasing.

What should I know about insurance for a condo in Emerald Isle?

Coastal condos in Emerald Isle typically require an HO-6 unit owner policy, flood insurance (separate from homeowners), and potentially wind/hurricane coverage. The HOA master policy covers the building structure, but your personal belongings and interior improvements require your own HO-6. Always consult a licensed NC insurance agent for current quotes.

How do I get more information about Ocean Reef?

Contact Chuck Hill, Crystal Coast Condo Specialist at Real Broker, LLC, at 252.648.2591 for a free consultation, current listings, or a condo valuation.

Home / Condos / Emerald Isle / Ocean Reef

🌊 Oceanfront✓ MLS VerifiedHigh Confidence

Ocean Reef

2508 Ocean Dr, Emerald Isle, NC 28594

✓ MLS Verified🌊 Oceanfront🔒 Gated🏖️ Vacation Rental

$640k

Median Sale Price (MLS)

$549/mo

HOA Fee

1992

Year Built

47 days

Avg. Days on Market

Community Overview

Gated oceanfront community; sunrise over the ocean from many decks, beach access from the property.

Building Details

Year Built1992

Total Floors3

Total UnitsData pending verification

Building TypeData pending verification

Property TypeCondo

Location

TownEmerald Isle

CountyCarteret

Water OrientationOceanfront

Address2508 Ocean Dr

Zip Code28594

Amenities

✓ = Confirmed · ✗ = Not present · ? = Not yet verified

🏊Pool✓

🏋️Fitness Center?

🎾Tennis✓

🏓Pickleball?

⚓Boat Slips?

🛗Elevator✓

🏖️Beach Access✓

🏖️Private Beach?

🔒Gated✓

🐶Pet Friendly?

🏛️Clubhouse?

⛵Marina?

♨️Hot Tub✓

🧖Sauna?

🏀Basketball?

🛝Playground?

⚡EV Charging?

🏖️Vacation Rental✓

HOA Information

Monthly HOA Fee$549/mo(range: $32-$600/mo (varies by unit))MLS-verified

Association NameData pending verification

Management CompanyCCMC

HOA IncludesData pending verification

Important: HOA fees vary by unit size and are subject to change. Always verify current fees, reserve fund status, and any pending special assessments directly with the HOA before making any financial decisions.

Market Data

MLS-verified data · As of flexmls exports Aug 2026

$640,000

Median Sale Price

$612

Price Per Sq Ft

47 days

Avg. Days on Market

Active Listings

Disclaimer: Market data is sourced from MLS records and is provided for informational purposes only. Past performance does not guarantee future results. Consult a licensed NC real estate professional for current market conditions.

Rental & Ownership Policy

Vacation Rental (STR)

Permitted

Always verify current rental policies with the HOA before purchasing.

Pet Policy

Data pending verification

Breed and size restrictions may apply. Verify with HOA.

Insurance Considerations

Important Insurance Information

Coastal condominiums in North Carolina typically require multiple insurance coverages: the master HOA policy, an individual HO-6 unit owner policy, flood insurance (separate from homeowners insurance), and potentially wind/hurricane coverage.

We do not publish estimated insurance costs on this site. Insurance costs, flood zone designations, and coverage requirements must be quoted by a licensed North Carolina insurance agent based on your specific unit and current market conditions.

FEMA Flood Map Service Center NC Department of Insurance

Frequently Asked Questions

More Condos in Emerald Isle

Mortgage Calculator

Down Payment20% ($128,000)

Interest Rate7%

Est. Monthly Payment

$3,406/mo

Principal & Interest only. Does not include HOA, taxes, or insurance.

Crystal Coast Condo Index

Index Score

out of 100

Overall

Rental Flex

Lifestyle

Very Good

Score Breakdown

🏖️Beach & Coastal

16/18

OceanfrontBeach accessCrystal Coast beach

📍Location & Convenience

9/14

Good dining optionsWalkable to beach

🏊Amenities

9/14

Swimming poolTennisElevator

🏢Building & Property

11/14

Ocean view unitsSecured parkingElevator access

🐕Lifestyle & Pets

6/9

Resort lifestyle

💰Rental Flexibility

9/10

Short-term rentals allowedWeekly rentals permittedLong-term rentals generally allowed

🌊Coastal Environment

7/9

Oceanfront coastal settingBeach nourishment historyAtlantic Ocean setting

📈Market Desirability

7/8

MLS-verified sales dataHigh buyer demandVacation rental appeal

🚗Accessibility

3/4

Walkable to beach

Best For

🏖️Beach Lovers

💰Investors

🏡Second-Home Buyers

🏠Vacation Buyers

🌅Retirees

👨‍👩‍👧Families

The Crystal Coast Condo Index Score is an informational scoring system. Scores are based on publicly available information, verified property data, and our stated methodology. This score is not an inspection, appraisal, engineering report, financial analysis, insurance determination, or guarantee of property condition, value, or investment performance.

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Crystal Coast Condo Specialist · Real Broker, LLC

252.648.2591

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About This Data

Fields marked "Data pending verification" have not been confirmed from an authoritative source (MLS, HOA records, county GIS, or FEMA).

Data confidence: High

✓ Market data MLS-verified (flexmls exports Aug 2026)