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Dream Team United

| Dream Team United | Keller Williams Connected | PLACE

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4069 4th St , Surf City, NC 28445
$999,000
Est. Payment: $5,148.05/mo
4 Bed
4 Bath
2336 Sqft
Status: active | Days on site: 56
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Welcome to your own slice of coastal paradise on the highly sought-after 'Surf City Canals'. Perfectly timed for summer, boating season and everything coastal living has to offer. This well-built waterfront home is an incredible opportunity to enjoy life on the water with easy access to the ICWW just a short ride down the canal & close proximity to public beach access & all the Surf city staples. Designed with comfort and functionality in mind, this home features an open-concept layout connecting the kitchen, dining space, living room & large waterfront facing decks! All filled with natural light and beautiful views from nearly every window. Down the hall you'll find three spacious guest bedrooms, including a private guest suite with its own updated full bath and another flexible room ideal for a home office, den or bunk room, a full hall bathroom & step up landing with laundry closet & access to the primary bedroom. The oversized primary suite is tucked privately above the garage, creating a peaceful retreat complete with vaulted ceilings, a large walk-in closet, dual vanities and a spacious tub/shower combination. The possibilities don't stop there the ground-floor level is ready for you to make it your own! It offers even more flexible space with sliding glass doors opening to the large patio spaces and the fenced in backyard. When you see it, think; game room, home gym, entertaining area, storage space, additional guest quarters or maybe a potential rental space! Already set up with a full bathroom and second laundry area, this bonus space adds tremendous value and versatility to the home, it just needs your own personal touch to make it come to life. Step outside where this property truly shines. Mature palm trees and lush landscaping frame the fenced backyard, while the expansive outdoor living spaces invite you to relax and soak in the coastal breeze on your own dock with an open boat slip & 2 boat lifts. Enjoy stunning Surf City sunsets from right here or the covered 30x8 deck overlooking the canal, rinse off after a beach day in the spacious outdoor shower, fish off your own dock or simply sit and take in the salt breeze after a busy day. A 16x16 workshop offers plenty of storage for fishing gear, beach equipment, lawn tools and all your water toys. With an oversized two car garage (26 x 23), parking for 4+ vehicles in the main driveway and an additional 30+ foot long single driveway, parking for boat trailers, RV's or extra guests shouldn't be a problem. Whether you're heading out for a day of boating and fishing, cruising the island by golf cart or taking a quick walk or bike ride to the beach, local parks, restaurants, nightlife and Surf City favorites, this home delivers the ultimate waterfront lifestyle at an exceptional value. Even better some major updates have already been completed for peace of mind including a mini-split HVAC system installed in 2021, water heater replaced in 2020, roof replaced in 2018, plus an updated seawall, fencing, decks, and HVAC systems all within the last 10 years or less. If you've been searching for a must-see coastal home with space, flexibility, deep-water access and an unbeatable location this Surf City gem is ready to welcome you home!

Highlights

Listed by Renee L Clark , 315-420-2198 Coldwell Banker Sea Coast Advantage , 910-327-2441. Hive MLS mls logo

Property Type

Residential

Lot/Acreage
0.18

Year Built

1986

County

Onslow

Neighborhood

Old Settlers Beach

School District

Onslow

Listing ID

100575181

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:4
Appliances:Electric Oven, Built-In Microwave
Air Cond:Central Air,Heat Pump
Fireplaces:
Floor:LVT/LVP,Carpet,Vinyl
Other:Walk-in Closet(s),Vaulted Ceiling(s),Ceiling Fan(s),Walk-in Shower,Blinds/Shades,Eat-in Kitchen,Walk-In Closet(s)
Other:Public

Exterior Features

Lot:Boat Slip,Boat Lift,Bulkhead,Pier,Water Depth 4+,Canal Front,Fencing: Metal/Ornamental,Fencing: Back Yard
Lot Dimensions:55 X 140
Garage Capacity:2
Zoning:MHS
Roof:Architectural Shingle
Others:Outdoor Shower
Parking Features:Garage Faces Front,Concrete,Garage Door Opener,Paved,Has Garage
Principal Interest
$5,148
Taxes
$637

Home Price

$999,000

Loan Details

30 yrs
6.683%

Down Payment

20%
$199,800
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:
$5,148.05

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,148.05 $636.86 $0.00 $5,784.92
Yearly $61,776.63 $7,642.35 $0.00 $69,418.98
Total $1,853,298.96 $229,270.50 $0.00 $2,082,569.46

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: 2026-08-01T17:48:09.000Z

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