Waterfront homes for sale in Old Settlers Beach, Surf City NC

As of October 27, 2026, there are 8 waterfront homes for sale in Old Settlers Beach in Surf City, NC, with a middle asking price of $919,000 (from $699,000 to $1,250,000). 1 came on the market in the last week.

As of October 27, 2026, the middle asking price is $919,000, about $619 per square foot for a typical 1,510 sq ft. $500K–$750K: 1; $750K–$1M: 4; $1M+: 3.

In the 12 months through October 27, 2026, 13 sold at a middle price of $850,000, typically for 97.1% of the first asking price after about 22 days on the market.

In the 12 months through October 27, 2026 they typically sold in about 22 days, at 97.1% of the first asking price.

A mortgage payment has two parts: principal and interest, which depend on the price, your down payment and the rate a lender offers you; and the costs on top — property taxes, homeowners insurance (and flood insurance near the water), HOA dues where there's an association, and mortgage insurance if you put less than 20% down. Each home's page has a calculator that uses the rate you've been quoted and that home's own taxes and HOA dues from the listing. For your actual rate and Annual Percentage Rate (APR), ask a licensed lender — we can introduce you to Joey Milam at Alpha Mortgage Advantage, or you're free to choose any lender.