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About this home
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,
Facts
- Type
- Single Family Residence
- Year built
- 1992
- Lot
- 0.15 acres
- Waterfront
- Boat Lift, Canal Front, Deeded Waterfront, Water Depth 4+
- Community
- Old Settlers Beach
- County
- Onslow
- Price per sq ft
- $739
- Stories
- 1
- Construction
- Vinyl Siding, Wood Frame
- Roof
- Metal
- Foundation
- Other, Pilings
- Water
- Public
- Property tax
- $6,976 / year (2025)
- Listed
- Jun 25, 2026
- MLS #
- 100584283
Features
Inside
- 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)
- LVT/LVP
- Carpet
- Gas Oven
- Built-In Microwave
- Washer
- Refrigerator
Outside
- Shutters - Board/Hurricane
- Outdoor Shower
- Irrigation System
- Storm Doors
- Thermal Doors
- Dead End
- Front Yard
- Boat Slip
- Boat Dock
- Boat Lift
- Deeded Waterfront
- Navigable Water
- Water Depth 4+
- Canal
- ICW
- Marsh
Community
- Waterfront Community
- None
Parking
- Attached
- Covered
- Lighted
- Off Street
- On Site
- Paved
Heating & cooling
- Propane
- Heat Pump
- Central Air
- Ceiling Fan(s)
Directions to 1023 1st Street
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.
Schools
- Elementary
- Coastal
- Middle
- Dixon
- High
- Dixon
As listed in the MLS (Onslow). School assignments can change — confirm with the district for this address.
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Recent sales like this in Old Settlers Beach
| Home | Sold | Bd / Ba | Sq ft | Price | $ / sq ft |
|---|---|---|---|---|---|
| 2016 N New River Drive, Surf City | Aug 18, 2026 | 4 / 2 | 1,598 | $640,000 | $401 |
| 4059 4th Street, Surf City | Jul 23, 2026 | 4 / 3 | 1,632 | $1,200,000 | $735 |
| 2010 N New River Drive, Surf City | May 15, 2026 | 3 / 3 | 1,282 | $715,000 | $558 |
| 6114 6th Street, Surf City | May 14, 2026 | 3 / 2 | 1,660 | $838,500 | $505 |
Similar size and type, sold in the last 12 months. From Hive MLS records; deemed reliable, not guaranteed.
Buying in Surf City? Local guides
- Military Relocation to Wilmington & Southeastern NCPCSing to Camp Lejeune, New River or Coast Guard Wilmington? Compare commutes, base housing, temporary lodging, schools, BAH and VA loan basics.
- Before You List on the NC Coast: Inspect, Repair or Sell As-Is?What to do before listing a home in Wilmington and the southeastern NC coast: a pre-market inspection, what to fix, credit or disclose, roof/HVAC/insurance questions coastal buyers ask, photos, pricing and offers.
- How Much Are Property Taxes in Wilmington and the NC Coast? (2026-27)County and town property tax rates for New Hanover, Brunswick, Pender, Onslow and Duplin, what they cost on a $400,000 home, the 2027 revaluations to plan for, and tax relief you may qualify for.
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About 1023 1st Street
1023 1st Street is a 3-bedroom, 3-bath home of about 1,440 square feet, built in 1992 in Old Settlers Beach, Surf City, Onslow County, NC 28445.
15 other homes are for sale in Old Settlers Beach right now (median asking $959,000); 20 homes sold there in the last 12 months at a median of $819,250, typically in about 62 days.
Across ZIP 28445, 310 3-bedroom homes sold in the past year at a median of $361,500.
It has been on the market for 123 days.
Area figures are broad context from the MLS, not a valuation — they don't adjust for waterfront, condition, lot, views or updates. Ask us for a true comparison.
Old Settlers Beach neighborhood guideHomes for sale in Surf CityOnslow County homesWaterfront homes in Surf City
Buying 1023 1st Street
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Own a home near 1023 1st Street? See what it's worth — a home value report built from real sales in Old Settlers Beach.
What's my home worth? →Questions about 1023 1st Street
How much is 1023 1st Street?
1023 1st Street is listed at $1,064,000 (about $739 per square foot) as of October 26, 2026. Status: for sale.
How many bedrooms and bathrooms does 1023 1st Street have?
3 bedrooms and 3 bathrooms, with about 1,440 square feet.
What neighborhood is 1023 1st Street in?
Old Settlers Beach, in Surf City, Onslow County, North Carolina.
How long has 1023 1st Street been on the market?
123 days. Homes in Old Settlers Beach sold after a median of 62 days over the past year.
What have homes sold for in Old Settlers Beach?
20 homes sold in Old Settlers Beach in the last 12 months, at a median price of $819,250.
Is 1023 1st Street waterfront?
Yes — the MLS lists it as a waterfront property.
When was 1023 1st Street built?
1992.
Who is the listing broker for 1023 1st Street?
REAL Broker LLC (MLS #100584283). The Buddy Blake Team can show it to you and answer questions.
Can I tour 1023 1st Street?
Yes. Tap “Schedule a tour,” pick a time, and we'll call to confirm — or call or text (910) 395-1000.