Homes with no HOA for sale in Surf City, NC

Homes the MLS lists with no homeowners association — no HOA dues or HOA rules.

53

For sale now

2 new this week

$945,000

Middle asking price

$538/sq ft

$915,000

Middle sale price

95 sold, last 12 mo

95.9%

Of first asking price

what sellers received

52

Days on market

typical, last 12 mo

No account needed. Stop anytime.

As of October 18, 2026, there are 53 homes with no HOA for sale in Surf City, NC, with a middle asking price of $945,000 (from $349,000 to $4,200,000). 2 came on the market in the last week. Another 6 are under contract.

In the 12 months through October 18, 2026, 95 sold at a middle price of $915,000, typically for 95.9% of the first asking price after about 52 days on the market.

The most choices right now are in Old Settlers Beach, Del Mar Beach, Surf City #.

Newest homes with no HOA in Surf City

Page 1 of 3 · 53 for sale · newest first
7097 7th Street, Surf City, NC 28445

$1,250,000

3 bd · 3 ba · 1,740 sq ft

0.18 ac · 3-car garage

7097 7th Street, Surf City, NC 28445

Hive MLSListed by SERHANT

6075 6th Street, Surf City, NC 28445

$1,050,000

3 bd · 2 ba · 1,579 sq ft

0.18 ac · 1-car garage

6075 6th Street, Surf City, NC 28445

Hive MLSListed by eXp Realty

1123 S Topsail Drive, Surf City, NC 28445

$700,000

3 bd · 2 ba · 1,302 sq ft

0.14 ac

1123 S Topsail Drive, Surf City, NC 28445

Hive MLSListed by Keller Williams Innovate-Wilmington

1143 S Topsail Drive, Surf City, NC 28445

$775,000

3 bd · 3 ba · 1,234 sq ft

0.77 ac

1143 S Topsail Drive, Surf City, NC 28445

Hive MLSListed by Ocean Life Realty

825a N New River Drive, Surf City, NC 28445

$849,000

4 bd · 4 ba · 1,997 sq ft

2-car garage

825a N New River Drive, Surf City, NC 28445

Hive MLSListed by Coldwell Banker Sea Coast Advantage-Hampstead

1720 N New River Drive, Surf City, NC 28445

$969,000

5 bd · 4 ba · 2,374 sq ft

0.19 ac

1720 N New River Drive, Surf City, NC 28445

Hive MLSListed by Coastal Carolina Real Estate

209 Shell Road 3b, Surf City, NC 28445

New · ready nowBuilder incentive mentioned

$825,000

4 bd · 5 ba · 2,174 sq ft

209 Shell Road 3b, Surf City, NC 28445

Hive MLSListed by Coldwell Banker Sea Coast Advantage

1112 N Shore Drive, Surf City, NC 28445

$915,000

3 bd · 2 ba · 1,017 sq ft

0.18 ac

1112 N Shore Drive, Surf City, NC 28445

Hive MLSListed by 1st Class Real Estate Coastal Choice

1218 N New River Drive, Surf City, NC 28445

$599,900

2 bd · 2 ba · 1,068 sq ft

0.11 ac

1218 N New River Drive, Surf City, NC 28445

Hive MLSListed by Landmark Sotheby's International Realty

818 N New River Drive 102, Surf City, NC 28445

$699,000

4 bd · 4 ba · 1,723 sq ft

818 N New River Drive 102, Surf City, NC 28445

Hive MLSListed by Intracoastal Realty Corporation

1103 N New River Drive, Surf City, NC 28445

$875,000

4 bd · 4 ba · 1,878 sq ft

0.21 ac

1103 N New River Drive, Surf City, NC 28445

Hive MLSListed by Intracoastal Realty Corporation

1215 N New River Drive, Surf City, NC 28445

$1,249,000

4 bd · 4 ba · 1,726 sq ft

0.23 ac

1215 N New River Drive, Surf City, NC 28445

Hive MLSListed by Berkshire Hathaway HomeServices Carolina Premier Properties

415 N Shore Drive, Surf City, NC 28445

$802,000

4 bd · 2 ba · 1,372 sq ft

0.08 ac

415 N Shore Drive, Surf City, NC 28445

Hive MLSListed by Keller Williams Crystal Coast

735 Dune Ridge Court, Surf City, NC 28445

New · ready ~Dec 15Builder incentive mentioned

$1,499,999

4 bd · 3 ba · 2,331 sq ft

0.13 ac

735 Dune Ridge Court, Surf City, NC 28445

Hive MLSListed by Coldwell Banker Sea Coast Advantage-Hampstead

1513 Easy Street, Surf City, NC 28445

$575,000

3 bd · 2 ba · 970 sq ft

0.12 ac

1513 Easy Street, Surf City, NC 28445

Hive MLSListed by Coastal Realty Associates LLC

4074 4th Street, Surf City, NC 28445

Price cut from $729K

$699,000

3 bd · 3 ba · 1,762 sq ft

0.18 ac

4074 4th Street, Surf City, NC 28445

Hive MLSListed by Coastal Realty Associates LLC

703 S Shore Drive, Surf City, NC 28445

$1,250,000

5 bd · 4 ba · 2,874 sq ft

0.20 ac · 2-car garage

703 S Shore Drive, Surf City, NC 28445

Hive MLSListed by Berkshire Hathaway HomeServices Carolina Premier Properties

1110 N New River Drive, Surf City, NC 28445

Price cut from $995K

$975,000

5 bd · 4 ba · 2,554 sq ft

0.16 ac

1110 N New River Drive, Surf City, NC 28445

Hive MLSListed by Coldwell Banker Sea Coast Advantage-Hampstead

417 N Shore Drive, Surf City, NC 28445

$575,000

2 bd · 1 ba · 720 sq ft

0.09 ac

417 N Shore Drive, Surf City, NC 28445

Hive MLSListed by Teresa Batts Real Estate, LLC

1115 N Shore Drive, Surf City, NC 28445

$1,445,000

7 bd · 6 ba · 2,304 sq ft

0.15 ac

1115 N Shore Drive, Surf City, NC 28445

Hive MLSListed by Ocean Life Realty

608 S Topsail Drive, Surf City, NC 28445

New · ready now

$2,925,000

7 bd · 7 ba · 4,121 sq ft

0.12 ac · 2-car garage

608 S Topsail Drive, Surf City, NC 28445

Hive MLSListed by REAL Broker LLC

616 N Shore Drive, Surf City, NC 28445

$1,700,000

6 bd · 2 ba · 2,558 sq ft

0.40 ac

616 N Shore Drive, Surf City, NC 28445

Hive MLSListed by REAL Broker LLC

8020 8th Street, Surf City, NC 28445

$905,900

5 bd · 3 ba · 2,159 sq ft

0.15 ac

8020 8th Street, Surf City, NC 28445

Hive MLSListed by REAL Broker LLC

421 N New River Drive A, Surf City, NC 28445

$700,000

3 bd · 3 ba · 1,748 sq ft

421 N New River Drive A, Surf City, NC 28445

Hive MLSListed by REAL Broker LLC

Search every home with filters and a map →

Price mix

  • Under $300K0
  • $300K–$500K1
  • $500K–$750K11
  • $750K–$1M20
  • $1M+21

Where they are

No HOA in nearby towns

North Topsail Beach66 for saleSneads Ferry23 for saleHampstead50 for saleBurgaw39 for saleRocky Point17 for saleTopsail Beach15 for saleWillard10 for saleCurrie6 for saleAtkinson6 for sale

Questions, answered

How many homes with no HOA are for sale in Surf City, NC?

As of October 18, 2026, there are 53 homes with no HOA for sale in Surf City, NC, with a middle asking price of $945,000 (from $349,000 to $4,200,000). 2 came on the market in the last week. Another 6 are under contract.

What do homes with no HOA cost in Surf City, NC?

As of October 18, 2026, the middle asking price is $945,000, about $538 per square foot for a typical 1,838 sq ft. $300K–$500K: 1; $500K–$750K: 11; $750K–$1M: 20; $1M+: 21.

What did homes with no HOA sell for in Surf City, NC last year?

In the 12 months through October 18, 2026, 95 sold at a middle price of $915,000, typically for 95.9% of the first asking price after about 52 days on the market.

How fast do homes with no HOA sell in Surf City, NC?

In the 12 months through October 18, 2026 they typically sold in about 52 days, at 95.9% of the first asking price.

Which communities in Surf City, NC have the most homes with no HOA for sale?

As of October 18, 2026, Old Settlers Beach (15), Del Mar Beach (6), Surf City # (6), Dune Ridge (3), Sandy Ridge (3), Horse Hammock (2).

How do I estimate a monthly payment on a home in Surf City, NC?

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.

Explore more

No HOA across all 5 countiesNo HOA in Pender CountyCommunities in Surf CitySingle-familyOne-storyPrimary on mainOpen housesNew this weekPrice reduced

Figures are computed live from MLS listing data for Surf City, NC, no hoa only. Middle = median. Listing data is deemed reliable but not guaranteed.