Price Reduced Listing
In-Person: 11/07 9:00 AM - 11:00 AM
1023 1st Street,Surf City, NC 28445
Surf City, NC 28445
Description
Rare Topsail Island waterfront opportunity with deep-water boating access at all tides, a private boat lift, and a short walk to the beach! This beautifully renovated Surf City canal-front home offers the best of coastal living, combining incredible boating convenience, beautiful sunset views, and easy beach access. One of this property's most desirable features is its deep-water canal frontage, allowing boating access even at the lowest tides. No need to plan your adventures around the tide! Keep your boat on your private lift right in the backyard, ready for spontaneous fishing trips, sunset cruises, and days exploring the waterways surrounding Topsail Island. When you're ready for the beach, enjoy a short walk to public beach access featuring restrooms, a park, and an accessible ramp with no stairs. Inside, this 3-bedroom, 2-bath home has undergone extensive renovations in 2026, creating a beautiful, modern coastal retreat. The open-concept living area features stunning shiplap ceilings with a center beam, recessed lighting, and premium LVP flooring throughout. The completely updated kitchen is perfect for entertaining, featuring a large island with seating for six, granite countertops, new soft-close cabinetry, upgraded pantry storage, a six-burner gas range with convection and air-fry oven, and an exterior-vented range hood. Both bathrooms have been beautifully updated with quartz countertops, modern fixtures, and a custom tiled walk-in shower in the primary suite. Additional improvements include fresh paint, updated lighting, ceiling fans, and hardware throughout. This home is thoughtfully equipped for coastal living with a metal roof, storm shutters, storm windows, thermal doors, a whole-home standby generator, propane heating, gas cooking, and a tankless water heater. Outdoor living is equally impressive, featuring a screened-in deck, composite decking, covered lower-level spaces, fenced yard, irrigation system, and cargo lift. A fully wired waterside workshop with a half bath and custom shelving provides excellent storage for boating gear, beach equipment, and hobbies. Located in a peaceful section of Surf City, you'll enjoy a relaxed coastal atmosphere while remaining close to restaurants, shopping, and everything Topsail Island has to offer. Your boat in the backyard, the beach a short walk away, and a beautifully updated home ready to enjoy! Whether you're looking for a primary residence, second home, or waterfront getaway, this property offers a rare combination of location, lifestyle, and thoughtful upgrades. Sellers are offering $5,000 toward buyer closing costs for buyers able to close by November 30, 2026!
Details
| MLS # | 100584283 |
|---|---|
| Listing Type | For Sale |
| Style | House |
| Sub-Type | Resale |
| Status | Active |
| Year | 1992 |
| Days On Site | 134 |
| Listing Provided By | REAL Broker LLC | Sean D McDonnell |
Features
| Bed(s) | 3 |
|---|---|
| Bath(s) | 3 Total |
| SQ Feet | 1,440 |
| Story(s) | 2 |
| Zoning | MHS |
| Acreage | 0.15 |
| Water Front | Boat Lift, Canal Front, Deeded Wat |
| Property View | Canal, ICW, Marsh, Sound, Water |
Interior
| Interior Features | Walk-in Closet(s), High Ceilings, Whole-Home Generator, Kitchen Island, Elevator, Ceiling Fan(s), Pantry, Walk-in Shower, Blinds/Shades, Walk-In Closet(s) |
|---|---|
| Heating Yes / No | Yes |
| Cooling Yes / No | Yes |
| Cooling | Central Air, Ceiling Fan(s), Heat Pump |
| Fireplace Yes / No | No |
| Laundry Features | Laundry Room |
| Furnished | Unfurnished |
| Rooms Total | 4 |
Exterior
| Exterior Features | Shutters - Board/Hurricane, Outdoor Shower, Irrigation System, Storm Doors, Thermal Doors |
|---|---|
| Roof | Metal |
| Foundation Details | Other, Pilings |
| Lot Features | Dead End, Front Yard, Boat Slip, Boat Dock, Boat Lift, Deeded Waterfront, Navigable Water, Water Depth 4+ |
| Waterfront Features | Boat Lift, Canal Front, Deeded Waterfront, Water Depth 4+ |
| View | Canal, ICW, Marsh, Sound, Water |
| Construction Materials | Vinyl Siding, Wood Frame |
| Security Features | Security Lights, Smoke Detector(s) |
Parking
| Attached Garage Yes / No | Yes |
|---|---|
| Garage Yes / No | No |
| Parking Features | Attached, Covered, Lighted, Off Street, On Site, Paved |
Utilities
| Utilities | Sewer Connected, Water Connected |
|---|
Taxes
| Tax Assessed Value | 883101 |
|---|---|
| Tax Book Number | 11 |
| Tax Legal Description | L5 S3 B46 OLD SETTLERS BEACH |
| Tax Year | 2025 |
Area Information
| State | NC |
|---|---|
| County | Onslow |
| City | Surf City |
| Zip Code | 28445 |
| Community Name | Old Settlers Beach |
| School District | Onslow |
| Elementary School | Coastal |
| High School | Dixon |
| Listing VS Median (in Old Settlers Beach) | |
Price: $1,049,000 low | high Med: $962,000 sqft: 1,440 low | high Med: 2,292 $ / sqft: $728 low | high Med: $420 On site: 134 low | high Med: 124 | |
Market Activity 28445
Request a showing
Request a showing
Contact
Learn More About This Property
| Open House |
|---|
| In-Person 11/07 9:00 AM - 11:00 AM |
| State | NC |
|---|---|
| County | Onslow |
| City | Surf City |
| Zip Code | 28445 |
| Community Name | Old Settlers Beach |
| School District | Onslow |
| Elementary School | Coastal |
| High School | Dixon |
| Listing VS Median (in Old Settlers Beach) | |
Price: $1,049,000 low | high Med: $962,000 sqft: 1,440 low | high Med: 2,292 $ / sqft: $728 low | high Med: $420 On site: 134 low | high Med: 124 | |
© 2026 Seacoast Realty, Inc. All rights reserved. Equal housing opportunity. An equal opportunity company
Coldwell Banker® and the Coldwell Banker Logo are registered service marks owned by Coldwell Banker Real Estate LLC. Seacoast Realty, Inc. fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each franchise is independently owned and operated. Any services or products provided by independently owned and operated franchises are not provided, affiliated with or related to Coldwell Banker Real Estate LLC nor any of its affiliated companies.
Listings courtesy of Canopy MLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID as of All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
The Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com.
“The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.
