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Dream Team United

| Dream Team United | Keller Williams Connected | PLACE

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1023 1st St , Surf City, NC 28445
$1,100,000
Est. Payment: $5,668.53/mo
3 Bed
3 Bath
1440 Sqft
Status: active | Days on site: 35
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

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 Dedicated spice cabinet 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 Pocket door from laundry room removed and closed in 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, 2 baths, plus a waterside shop with a half bath located un

Highlights

Listed by Sean D McDonnell , 443-994-9722 REAL Broker LLC , 919-348-2585. Hive MLS mls logo

Property Type

Residential

Lot/Acreage
0.15

Year Built

1992

County

Onslow

Neighborhood

Old Settlers Beach

School District

Onslow

Listing ID

100584283

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Gas Oven, Built-In Microwave, Washer, Refrigerator, Ice Maker, Dryer, Dishwasher, ENERGY STAR Qualified Appliances, Tankless Water Heater, Gas Range, Generator, Generator
Air Cond:Central Air,Ceiling Fan(s),Heat Pump
Fireplaces:
Floor:LVT/LVP,Carpet
Other: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)
Other:Public

Exterior Features

Lot:Dead End,Front Yard,Boat Slip,Boat Dock,Boat Lift,Deeded Waterfront,Navigable Water,Water Depth 4+,Canal Front,Fencing: Chain Link,Fencing: Partial,Fencing: Back Yard,Fencing: Front Yard
Lot Dimensions:irregular
Garage Capacity:0
Zoning:MHS
Roof:Metal
Others:Shutters - Board/Hurricane,Outdoor Shower,Irrigation System,Storm Doors,Thermal Doors
Parking Features:Attached,Covered,Lighted,Off Street,On Site,Paved
Principal Interest
$5,669
Taxes
$701

Home Price

$1,100,000

Loan Details

30 yrs
6.683%

Down Payment

20%
$220,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$5,668.53

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,668.53 $701.25 $0.00 $6,369.78
Yearly $68,022.32 $8,415.00 $0.00 $76,437.32
Total $2,040,669.52 $252,450.00 $0.00 $2,293,119.52

Today's Rates

30 Year

6.68%

20 Year

6.55%

15 Year

6.13%

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Market insight data is pulled from the same city as the listing being viewed (Surf City, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Hive MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-01T19:50:55.000Z

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