Bald Head Island
Homes For a Fraction.



What’s Special about Bald Head Island

Situated on the east side of the Cape Fear River in Brunswick County, North Carolina, Bald Head Island, historically Smith Island, is both quaint and captivating. Its peaceful environment and picturesque scenery make it a sought-after vacation locale, providing a one-of-a-kind experience for those contemplating a vacation home purchase. The picturesque ferry commute from nearby Southport, the absence of cars on the island, and the community’s use of modified electric golf carts contribute to its unique allure. These elements coalesce to make Bald Head Island a true vacation destination, offering a tranquil sanctuary from fast-paced city life.

About Bald Head Island

Bald Head Island, home to approximately 1,150 residences and 200 year-round residents, cultivates a close-knit community atmosphere. The island encompasses 12,000 acres, with 2,000 designated for development and the remaining 10,000 preserved for conservation. It’s situated about 35 miles from Wilmington, NC (an hour’s drive and closest major airport), 70 miles from Myrtle Beach, SC, and approximately 168 miles from Raleigh, NC.


Bald Head Island offers a variety of neighborhoods, each with its unique charm and appeal:

  • Harbour Village: This is the most centrally located neighborhood on the island, and it is home to many of the island’s shops, restaurants, and amenities, including the island’s only grocery store. Harbour Village is a popular choice for families, as it is close to the beach and the marina.
  • Middle Island Plantation: The most secluded neighborhood on the island, Middle Island Plantation is surrounded by marshland and forest. The neighborhood is home to a number of walking trails, and it is a great place to go birdwatching or hiking.
  • Cape Fear Station: Named after the U.S. Life Saving Station and located on the eastern side of the island, Cape Fear Station is just south of Middle Island Plantation. It is a newer neighborhood with beautiful single-family homes, townhomes, and condominiums that is known for its proximity to the beach, and its sense of community.
  • The Hammocks: A fractional ownership neighborhood near the ocean, offering residents four weeks of occupancy per year and membership in Bald Head Island Club, Shoals Club, and on-site Hammocks Club.

In addition to these neighborhoods, there are other homes and sites available in a variety of beautiful environments, including maritime forest, golf course, marshfront, oceanview, and oceanfront. No matter where on the island you choose to be, you’re never more than a few minutes from the shore.

Family at fractional ownership beach house smiling while walking down beach path

Fractional Ownership with Plum

It’s a cost-effective way to enjoy the pristine beaches and serene landscapes of Bald Head Island, NC without the sole commitment of property ownership. By sharing ownership with others, you gain access to a luxurious island retreat for a fraction of the price…and for a fraction of the hassles and risk. It’s the perfect blend of affordability, convenience, and indulgence at one of North Carolina’s most sought-after destinations.

Own with family and friends

See if you’re really compatible.

Owning a vacation with family and friends can be a wonderful experience but it’s important to make sure you’re aligned. Start your co-ownership journey off on the right foot. 

*Currently for NC Beaches

Compatibility Quiz - fractional ownership

Bald Head Island, NC Homes for Sale

Currently available homes with potential for Plum CoOwnership.

Find a group… or start one!


Check out public group proposals and locations in our marketplace.

Start your Own Group

Describe your vacation home and usage privately with family or friends, or team up with well-vetted allies. Whether for creating memories, an investment or both—it’s easy!

Free to initiate a proposal
Takes <5 minutes.
Concierge guidance, if needed.


How does fractional ownership work on Bald Head Island?
Fractional ownership on Bald Head Island, or anywhere else, typically refers to the ownership of a property where multiple individuals or parties collectively own a share. This concept is commonly used for vacation homes and resorts, allowing multiple owners to share the costs, responsibilities, and benefits of owning a higher priced property. Learn more about the comparison of fractional ownership models. Specific to Bald Head Island, the available fractional ownership properties can be restrictive for some in regards to: 1.) usage (ex. 4 weeks per year, 1 week per season), 2.) property types (specific development/home types or an Inn), and 3.) fees that may be out of reach.

Plum CoOwnership offers an exciting new alternative that opens dream vacation home ownership up to more people and any available home (pending local laws and restrictions). Learn more about how Plum works, different co-buying options, and even how to sell your current Bald Head Island home as a fractional ownership home AND still maintain an ownership share!

What’s the easiest way to get started?
Plum makes it easy to form your group, get your ducks in a row, and then engage a real estate agent.  Your first step is to engage us to help you craft a Plum based on your budget, and then share it with people with whom you’d like to buy a home!
Is Plum a timeshare or something like Pacaso?
With a timeshare, you are simply buying “time”. With Plum CoOwnership, you are efficiently buying a fraction or share of a complete vacation home and your usage and equity is equal to your share percentage. Of course, your share price can vary based on the property sale price and number of co-owners. Regardless, this type of investment asset is likely to increase in value over time versus a timeshare which depreciates over time.

Timeshares are usually condos at a vacation resort, whereas you can co-own a home in any neighborhood in a vacation destination. Typically, timeshares offer limited flexibility with your designated vacation period. Plum CoOwnership, on the other hand, offers greater flexibility in scheduling your vacation. Moreover, you are not allowed to rent or Airbnb your timeshare. With Plum, the co-buyers or group has the option to rent and makes that determination, subject to local rules and regulations.

Pacaso is an established leader in ultra-luxury property co-ownership. Plum does not own properties but offers access to available vacation properties and other co-buyers through a shared technology platform, while Pacaso only offers access to their properties from their robust acquired real estate portfolio. High net-worth individuals compete for select Pacaso homes vs. Plum’s mass affluent customers that have access to properties anywhere.

Learn more with our fractional ownership comparison of timeshares, Pacaso and Plum.

How do I get out if I need to?
You can leave any time after the first year with a 90-day notification period to the ownership group.
Is a fractional ownership a wise investment?

Overall, fractional ownership can be a good and efficient investment for people who want to own a vacation home, but do not want to pay the full property price. However, it is important to carefully consider all of the factors involved before making a decision.  A few of the considerations:

  • Budget: Fractional ownership can be a more affordable way to own a vacation home, but it is still an investment. You will need to make sure that you can afford the monthly maintenance fees and the cost of any repairs or upgrades.
  • Travel Plans: If you plan to use the property frequently, fractional ownership can be a good way to save money on vacation costs. Even if you only plan to use the property a few times a year, fractional ownership could still be a good investment if you’re able to rent out your share when not in use.
  • Be prepared to share: When you invest in fractional ownership, you are sharing the property with other owners. This means that you may not always be able to use the property when you want to.
  • Be prepared for the unexpected: As with any investment, there is always the potential for loss. If the property value declines or if you are unable to sell your share, you could lose money.
  • Understand the terms and conditions.
  • The property: It is important to research the property carefully before you buy a share. Make sure that the property is in good condition and that it is located in a desirable area. Seek out assistance from an experienced real estate agent who can provide resources to help you with this process.
  • Property Management: If not maintained by the group (DIY), a property management company is responsible for the day-to-day operations of the property. You need to make sure that the company is reputable and that you’re comfortable with the fees and policies.
Are the other owners vetted?
Plum provides a background check, a credit check, and a budget check to ensure that all parties will be good co-owners, also known as PlumCertified.  The results are confidential to the buyer who is being vetted, and, in the event that there is a red flag, the vetted buyer has the opportunity to simply and elegantly remove themselves from the process.

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