1023 1st Street, Surf City, NC 28445 (MLS# 100584283)

Listed by Sean D McDonnell, REAL Broker LLC.

1023 1st Street, Surf City, NC 28445

$1,064,000

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Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,440 Lot Size (sq. ft.): 6,534 Status: Active

Current Price: $1,064,000 List Date: 6/25/2026 Last Modified: 9/27/2026

Overview

Description

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 Improvemen … (Read more) 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,

Listing Details MLS# 100584283

Contract Info

Sub-Type: Single Family Residence
Construction Type: Stick Built
Delayed Marketing?: No
Marketing Start Date: 2026-06-25
Listing Price: 1064000
List Price/SqFt: 738.89
Stipulation of Sale: Standard

Location Information

Street #: 1023
Street Name: 1st
Street Suffix: Street
County: Onslow
State/Province: NC
Zip Code: 28445
City Limits: Yes
Marketing City: Surf City
Subdivision: Old Settlers Beach
Secondary Subdivision: N/A

Remarks and Showing

Directions to Property: 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.
Sign on Property: Yes

Property Exterior Info

New Construction: No
Lot Acres: 0.15
Lot SqFt: 6534
Lot Dimensions: irregular
Waterfront: Yes
Waterview: Yes
Horses Y/N: No
Location Type: Island

Property Interior Info

SqFt – Heated (Primary): 1440
Total SqFt – Heated (Primary + Separate): 1440
# Rooms: 6
# Baths – Full: 2
# Baths – Half: Yes
# Baths – Total: 3
# Bedrooms: 3
Master Bedroom Level: Primary Living Area
Stories Total: Yes
Fireplace Y/N: No

Legal Taxes

Year Built: 1992

More Information

Fuel Tank

Above or Below Ground: Above Ground
Fuel Type: Propane
In Use: Yes
Owned or Leased: Leased
Lessor Name and Contact: Blossman Gas
Fuel Tank: Yes

Entry Level Information

Entry Level: Yes

Current Service Providers

Electric Provider: Jones-Onslow EMC
Fuel Vendor Provider: Blossman Gas
Internet Service Provider(s): Brightspeed Fiber
Sewer Provider: Surf City
Trash Provider: Surf City
Water Provider: Surf City

Legal & Taxes

Tax Assessed Value: 883101
Total City Real Estate Property Tax: 2413.73
Total Real Estate Property Taxes: 6976.27
Deed Book: 6231
Deed Page: 500
Legal: L5 S3 B46 OLD SETTLERS BEACH
Broker Owner: No
PID: 424511662084
Tax Identifier: 801-203
Plat Book: 11
Plat Page: 31
Special Assessments: n/a
Tax Year: 2025
Zoning: MHS
HOA: No
Cobra Zone: No
Federal Flood Ins Avlbl: Yes
School District: Onslow
Elementary School: Coastal
Middle School: Dixon
High School: Dixon

Garage & Parking

Attached Garage Spaces: 0
Detached Garage Spaces: 0
Total # Garage Spaces: 0
Underhouse Spaces: 2
Total Carport Spaces: 0

Parking Features

Attached: Yes
Covered: Yes
Lighted: Yes
Off Street: Yes
On Site: Yes
Paved: Yes

HOA and Neigh Amenities

No Amenities: Yes
Waterfront Community: Yes

Attic

Floored: Yes
Floored – Partial: Yes
Stairs – Pull Down: Yes

Basement

None: Yes

Frontage Type

Canal Front: Yes
ICW Front: Yes

Handicap Accessible

Elevator: Yes

View Type

Canal: Yes
ICW View: Yes
Marsh View: Yes
Sound View: Yes
Water: Yes

Construction

Wood Frame: Yes

Unit Type

3 Bedroom: Yes

Architectural Style

Raised Ranch: Yes

Lot Water Features

Boat Slip: Yes
Boat Dock: Yes
Boat Lift: Yes
Deeded Waterfront: Yes
Navigable Water: Yes
Water Depth 4+: Yes

Exterior Features

Irrigation System: Yes
Outdoor Shower: Yes
Shutters – Board/Hurricane: Yes
Storm Doors: Yes
Thermal Doors: Yes

Exterior Finish

Vinyl Siding: Yes

Terms

Cash: Yes
Conventional: Yes
FHA: Yes
USDA Loan: Yes
VA Loan: Yes

Fencing

Back Yard: Yes
Chain Link: Yes
Front Yard: Yes
Partial: Yes

Foundation

Pilings: Yes

Flooring

Carpet: Yes
LVT/LVP: Yes

Patio and Porch Features

Covered: Yes
Deck: Yes
Enclosed: Yes
Patio: Yes
Porch: Yes
Rear Porch: Yes
Screened: Yes
Wrap Around: Yes

Security Features

Security Lights: Yes
Smoke Detector(s): Yes

Green Bldg Features

Energy Star Appl: Yes
LED Lighting: Yes
Prog Thermostats: Yes
Tankless Water Heater: Yes

Pool Features

None: Yes

Roof

Metal: Yes

Levels

Two: Yes

Lot Features

Dead End: Yes

Road Type/Frontage

Maintained: Yes
Paved: Yes
Public (City/Cty/St): Yes

Trash Collection

City Pick-UP: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Heat Pump: Yes

Other Structures

Bathhouse: Yes
Covered Area: Yes
Storage: Yes
Workshop: Yes

Heated SqFt

1400 – 1599: Yes

Heating

Heat Pump: Yes

Heating System Fuel Source

Propane: Yes

Water Heater

Propane: Yes
Tankless: Yes

Utilities

Sewer Connected: Yes
Water Connected: Yes

Sewer

Municipal Sewer: Yes

Water Source

Municipal Water: Yes

Appliances/Equip

Built-In Microwave: Yes
Dishwasher: Yes
Dryer: Yes
Gas Oven: Yes
Gas Range: Yes
Generator: Yes
Ice Maker: Yes
Refrigerator: Yes
Washer: Yes

Furnished

Unfurnished: Yes

Interior Features

Blinds/Shades: Yes
Ceiling Fan(s): Yes
Elevator: Yes
High Ceilings: Yes
Kitchen Island: Yes
Pantry: Yes
Walk-in Shower: Yes
Walk-In Closet(s): Yes
Whole-Home Generator: Yes

Window Features

Skylight(s): Yes
Storm Window(s): Yes

Laundry Features

Laundry Room: Yes

Dining Room Type

Combination: Yes

Home Warr/Termite

Termite Bond: Yes
Termite Company: B & T Pest
Termite Company Phone: (910)329-1337

Rooms

Bathroom 1: Yes
Bathroom 2: Yes
Bedroom 2: Yes
Bedroom 3: Yes
Living Room: Yes
Master Bedroom: Yes

Property Features

Frontage Type: Canal Front; ICW Front Handicap Accessible: Elevator View Type: Canal; ICW View; Marsh View; Sound View; Water Attic: Floored; Floored – Partial; Stairs – Pull Down Basement: None Construction: Wood Frame Unit Type: 3 Bedroom Architectural Style: Raised Ranch Exterior Features: Irrigation System; Outdoor Shower; Shutters – Board/Hurricane; Storm Doors; Thermal Doors Exterior Finish: Vinyl Siding Fencing: Back Yard; Chain Link; Front Yard; Partial Foundation: Pilings Fuel Tank: Fuel Tank Green Bldg Features: Energy Star Appl; LED Lighting; Prog Thermostats; Tankless Water Heater Parking Features: Attached; Covered; Lighted; Off Street; On Site; Paved Patio and Porch Features: Covered; Deck; Enclosed; Patio; Porch; Rear Porch; Screened; Wrap Around Pool Features: None Roof: Metal Levels: Two Trash Collection: City Pick-UP Lot Features: Dead End Lot Water Features: Boat Dock; Boat Lift; Deeded Waterfront; Navigable Water; Water Depth 4+ Cooling: Ceiling Fan(s); Central Air; Heat Pump Heating: Heat Pump Heating System Fuel Source: Propane Water Heater: Propane; Tankless Utilities: Sewer Connected; Water Connected Sewer: Municipal Sewer Water Source: Municipal Water Flooring: Carpet; LVT/LVP Furnished: Unfurnished Interior Features: Blinds/Shades; Ceiling Fan(s); Elevator; High Ceilings; Kitchen Island; Pantry; Walk-in Shower; Walk-In Closet(s); Whole-Home Generator Window Features: Skylight(s); Storm Window(s) Security Features: Security Lights; Smoke Detector(s) Laundry Features: Laundry Room Heated SqFt: 1400 – 1599 Dining Room Type: Combination Other Structures: Bathhouse; Covered Area; Storage; Workshop HOA and Neigh Amenities: Waterfront Community; No Amenities Rooms: Bathroom 1; Bathroom 2; Bedroom 2; Bedroom 3; Living Room; Master Bedroom Terms: Cash; Conventional; FHA; USDA Loan; VA Loan

Room Information

Room Name
Master Bedroom
Bedroom 2
Bedroom 3
Bathroom 1
Bathroom 2
Living Room

IDX

Listing Office: REAL Broker LLC

Last Updated: September – 27 – 2026

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