1023 1st Street Surf City, NC $ 1,100,000
1023 1st Street
$ 1,100,000
Recently Listed
Open House 6/27 12pm - 2pm
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1023 1st Street

Surf City, NC, 28445
$ 1,100,000
Bedrooms3 Baths2.1 Sq 1,440

Monthly Estimate*

$ 6,946

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Single Family Home for sale in Surf City, NC

for $1,100,000 with 3 bedrooms and 2 full baths, 1 half bath. This 1,440 square foot home was built in 1992 on a lot size of 0.15.

Your dream waterfront retreat on Topsail Island has arrived. This beautifully maintained beach house captures the very best of coastal living, offering breathtaking sunset views, direct canal access, and multiple outdoor spaces designed for relaxation. Perfectly positioned on a deep waterfront canal, the property includes a boat lift and generous outdoor living areas for year-round enjoyment. Surf City sits on a 23-mile barrier island known for its natural beauty, relaxed atmosphere, and endless recreation. Inside, the home features 3 bedrooms, 2 baths, plus a waterside shop with a half bath located under the house--ideal for storing coastal gear, working on projects, or hosting guests. Thoughtful updates throughout include new flooring, newer appliances, upgraded fixtures, crown molding, beadboard with chair rail, and custom plantation shutters, creating a fresh and inviting coastal aesthetic. This home is also equipped with valuable system upgrades: stainless steel propane tankless water heater, propane heating, thermal doors, LED lighting, security system, and a generator for added peace of mind. Outdoors, the attention to detail continues with a cargo lift, metal roof, storm shutters, Trex decking and walkway, vinyl railings, irrigation system, fenced yard, and a fully wired shop with custom shelving and double doors. Enjoy the screened-in deck or the covered lower-level areas as you unwind after a day on the water, taking in the salty breeze and stunning sunset views. The neighborhood offers a peaceful blend of permanent residents and occasional weekend homeowners, with minimal noise or traffic--even during peak season. Water pressure has remained consistently strong, and the surrounding homes are lightly used, contributing to a quiet, relaxed environment. This property has been exceptionally cared for and has provided a wonderful experience for its owners. A solid, well-maintained coastal home with features you won't find anywhere else. Don't miss your chance to own this Topsail Island paradise.

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Open House

6/27/2026 12:00 PM - 2:00 PM
1023 1st Street Surf City, NC
* Some states or local ordinances may prohibit Open Houses at this time, please confirm with your Weichert agent or local rep to confirm

Single Family Active

Price

$ 1,100,000

Bedrooms

3

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 6,976

Style

Single Family Residence

Lot Size

0.15

Year Built

1992

Town/City

Surf City

County/Region

Onslow

MLS | Web ID

100584283

Features
General
Living Area 1440.0
Heating Propane Heat Pump
Cooling Central Air Ceiling Fan(s) Heat Pump
Utilities Sewer Connected Water Connected
Possession Close Of Escrow At Closing
Roof Metal
Appliances Gas Oven Built-In Microwave Washer Refrigerator Ice Maker Dryer Dishwasher ENERGY STAR Qualified Appliances Tankless Water Heater Gas Range Generator
Zoning MHS
Patio/Porch Features Covered Deck Enclosed Patio Porch Screened Wrap Around Rear Porch
Pool Features None
Security Features Security Lights Smoke Detector(s)
Construction Materials Vinyl Siding Wood Frame
Year Built 1992
View Canal ICW Marsh Sound Water
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Taxes 6976.27
Parcel Number 801-203
Waterfront Features Boat Lift Canal Front Deeded Waterfront Water Depth 4+
Accessibility Accessible Elevator Installed
County Onslow
Operating Expense 0.0
New Construction N
Property Type Residential
In City Limits? (Y/N) Y
Association Amenities Waterfront Community None
HOA N
Attached Garage Y
Energy Efficient Lighting Thermostat LED Lighting
Subdivision Name Old Settlers Beach
Garage Y/N N
Other Structures Covered Area Bathhouse Storage Workshop
Total Rooms 6
Full Baths 2
Status Active
Directions From Surf City high-rise bridge take the 2nd exit onto N. New River Dr. Go north 2 miles and turn left onto 1st Street. Head west and home is on your left.
High School Dixon
City Surf City
High School District Onslow
Lot Size Units Acres
Lot Size Square Feet 6534.0
Carport Spaces 0.0
Carport Y/N N
Elementary School Coastal
Property Attached Y/N N
Land Lease Y/N N
Home Warranty Y/N N
Middle/Junior High School Dixon
Lease Considered Y/N N
Virtual Tour https://listings.lighthousevisuals.com/sites/rxodypvm/unbranded
Structure Type Wood Frame Stick Built
Living Area Units Square Feet
Standard Status Active
Tax Assessed Value 883101
Legal Description L5 S3 B46 OLD SETTLERS BEACH
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Interior
Interior Amenities 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)
Basement None
Flooring LVT/LVP Carpet
Furnished Y/N Unfurnished
Water Heater Propane Tankless
Master Bed Level Primary Living Area
Total Stories 1
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Window Features Skylight(s) Storm Window(s)
Fireplace Y/N N
Half Baths 1
Laundry Features Laundry Room
Total Bedrooms 3
Attic Features Floored Floored - Partial Pull-Down Stairs
Entry Level 1
Room Type Master Bedroom Bedroom 2 Bedroom 3 Bathroom 1 Bathroom 2 Living Room Dining Area
Unit Type 3 Bedroom
Total Baths 3
Living Area Range 1400 - 1599
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Exterior
Exterior Amenities Shutters - Board/Hurricane Outdoor Shower Irrigation System Storm Doors Thermal Doors
Exterior Finish Vinyl Siding
Fencing Chain Link Partial Back Yard Front Yard
Parking Features Attached Covered Lighted Off Street On Site Paved
Lot Features Dead End Front Yard Boat Slip Boat Dock Boat Lift Deeded Waterfront Navigable Water Water Depth 4+
Water Source Public
Total Parking 0.0
Lot Size Area 0.15
Foundation Details Other Pilings
Spa N
Building Area Total 1440.0
Lot Dimensions irregular
Lot Size Acres 0.15
Road Surface Type Paved
Frontage Type ICW Front Canal Front
Waterfront Y/N Y
Door Features Thermal Doors Storm Door(s)
Road Frontage Type Maintained City Street State Road Paved
Other Equipment Generator
Crops Included Y/N N
Horse Y/N N
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Internal Only
Street Number 1 1023
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* Excluded Features
List By
Sean D McDonnell

Listing Agent

Real Broker Llc

Broker

sean@quietwatersrealtygroup.com

Email

Affordability Calculator

$7,527
Per Month
92%
8%
0%
Monthly Principal & Interest
$6,946
Monthly Property Taxes
$581
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
4735627 Elementary School
3959089 Middle School
Dixon High School High School
Pricing History
DatePricePrice ChangeDescription
6/25/2026$1,100,000 Listed Price

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1023 1st Street, Surf City, NC, 28445 is a Single Family Home for sale at $1,100,000 with 1,440 sqft and a lot size of 0.15. 1023 1st Street has 3 bedrooms, 2.1 baths, and was built in 1992. The property's zip code is 28445 which is in Surf City, NC