Set four blocks off the sand, this 2020 coastal home comes move-in ready - close, unpack a bag, and start living the island life. You get three bedrooms, three and a half baths, and 2,177 square feet, plus two things that are hard to find down here: no HOA and a genuine side yard with space for a boat or a pool. The main level lives large and open, anchored by a generous island, quartz counters, and a covered deck right off the living area for grilling out or winding down. Also on this floor is a private guest suite - handy for out-of-towners or a home office. Head upstairs and the owner's suite earns its keep with a private balcony, a walk-in shower, and dual closets, while a second ensuite bedroom means overnight guests get their own space and privacy. Beach life needs storage, and the enclosed garage delivers - room for boards, bikes, coolers, and a workbench. Round that out with an outdoor shower to rinse off after a swim, an irrigation system, plenty of parking, and an owned whole-house Aquasana water filtration system. Just beyond the front door: the lake, the Greenway Trail, Carolina Beach State Park, the boardwalk, and local favorites like the Fat Pelican and Surf House. Full-time residence, weekend getaway, or rental investment - 400 Sumter has the room, the flexibility, and the location to make it work. 1-year, 2-10 Home Warranty available for purchase at closing!