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$1,064,000 Est. $7,331/mo — Get pre-qualified
3beds 2.5baths 1,440sq ft 0.15acres

1023 1st Street · Surf City, NC 28445

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Sellers offering 10k in closing costs for buyers able to close by end of Oct and 5k in closing costs for buyers able to close by end of Nov. Your dream waterfront retreat on Topsail Island is here. This beautifully maintained canal-front home showcases the best of coastal living, offering stunning sunset views, direct water access, and multiple outdoor spaces designed for effortless relaxation. Perfectly positioned on a deep canal, the property includes a boat lift and generous outdoor living areas ideal for year-round enjoyment. Surf City rests on a 23-mile barrier island celebrated for its natural beauty, laid-back atmosphere, and endless recreation.

Inside, the home features 3 bedrooms and 2 baths, plus a waterside shop with a half bath located beneath the house--perfect for storing gear, tackling projects, or accommodating guests. The interior has been thoughtfully updated with an extensive list of 2026 improvements, creating a fresh, modern coastal aesthetic:

2026 Improvements
Wall removed between kitchen and living room to create a true open-concept layout

Popcorn ceilings removed throughout

Shiplap ceiling with center beam and recessed lighting added in living room and kitchen

Kitchen upgrades:

Large island seating six, designed for cooking, gathering, and entertaining

New 6-burner gas range with convection and air-fry oven

Over-range microwave removed and replaced with a powerful exterior-vented hood

New microwave installed in the island

Granite countertops

All-new soft-close cabinets, drawers, and pantry storage

Pantry cabinets include pull-out shelves with power outlets

Tiled backsplash

Primary bathroom upgrades:

New soft-close vanity with quartz top

Tub removed and replaced with a custom tiled shower with glass door

New lighting, fixtures, and mirrors

Guest bathroom upgrades:

New soft-close vanity with quartz top

New lighting, fixtures, and mirrors

New ceiling fans in primary bedroom and living room

Beadboard chair rail replaced with a clean, modern finish

Premium LVP flooring installed throughout, replacing carpet and older LVP

All light switches and plates replaced with matching white finishes

Fresh Sherwin-Williams paint throughout

Beyond the interior, the home includes valuable system upgrades such as a propane tankless water heater, propane heating, thermal doors, LED lighting, a security system, and a generator for added peace of mind.

Outdoor enhancements continue the theme of quality and care: a cargo lift, metal roof, storm shutters, composite 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 spaces as you unwind after a day on the water, taking in the salty breeze and spectacular sunsets.

The neighborhood offers a peaceful blend of full-time residents and occasional weekend homeowners, resulting in minimal noise and traffic--even during peak season. Water pressure has remained consistently strong, and surrounding homes are lightly used, contributing to a quiet, relaxed environment.

This property has been exceptionally cared for and offers a rare combination of location, upgrades, and waterfront lifestyle. A solid, well-maintained coastal home with features seldom found together. Don't miss your opportunity to own this Topsail Island paradise.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,

Features & Amenities

Living Area1,440 Sq.Ft.
Bedrooms3
Baths2.5
HeatingPropane, Heat Pump
CoolingCentral Air, Ceiling Fan(s), Heat Pump
FlooringLVT/LVP, Carpet
FireplaceNo
AppliancesGas Oven, Built-In Microwave, Washer, Refrigerator, Ice Maker, Dryer, Dishwasher, ENERGY STAR Qualified Appliances, Tankless Water Heater, Gas Range, Generator
Interior FeaturesWalk-in Closet(s), High Ceilings, Whole-Home Generator, Kitchen Island, Elevator, Ceiling Fan(s), Pantry, Walk-in Shower, Blinds/Shades
LaundryLaundry Room
Virtual TourOpen Virtual Tour
Exterior FeaturesShutters - Board/Hurricane, Outdoor Shower, Irrigation System, Storm Doors, Thermal Doors
StyleSingle Family Residence
Year Built1992
ConstructionVinyl Siding, Wood Frame
RoofMetal
FoundationOther, Pilings
ParkingAttached, Covered, Lighted, Off Street, On Site, Paved
StatusActive
Lot Size0.15 Acres
Lot FeaturesDead End, Front Yard, Boat Slip, Boat Dock, Boat Lift, Deeded Waterfront, Navigable Water, Water Depth 4+
SubdivisionOld Settlers Beach
CountyONSLOW
Last UpdatedOct 9, 2026
UtilitiesSewer Connected, Water Connected
Water SourcePublic
HOANo
ElementaryCoastal Elementary School
MiddleDixon Middle School
HighDixon High School
Presented By: REAL Broker LLC; ncbroker@therealbrokerage.com

Location

Property boundary from county GIS

Neighborhood Snapshot

U.S. Census Bureau, ACS 5-year estimates

Neighborhood data describes this home's U.S. Census tract and is provided for information only. Statistics describe an area, not any individual property or its residents.

Pricing History

DateEventPriceChange
Oct 9, 2026 Price Reduced $1,070,000 → $1,064,000 ▾ $6,000 (0.6%)
Jun 25, 2026 Price Change $1,100,000 —
Aug 4, 2026 Price Change $1,075,000 3

Monthly Cost Estimate

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Last Updated: Oct 9, 2026