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For salePrice cut: $5K (8/21)
$1,070,000
3beds
1,440sqft

1023 1st Street, Surf City, NC 28445

3beds
1,440sqft
Single family residence
Built in 1992
6,534 sqft
Attached garage
$743 price/sqft

What's special

Fenced yardBeautifully maintained canal-front homeComposite decking and walkwayFresh sherwin-williams paint throughoutPowerful exterior-vented hoodGranite countertopsDirect water access

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

70 days
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693
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31
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Likely to sell faster than

Source: Hive MLS,MLS#: 100584283MLS LogoOriginating MLS: Cape Fear Realtors MLS, Inc.
Travel times

Living Room

Kitchen

Dining Room

Zillow last checked:

Listing updated:

Listed by:

Sean D McDonnell 443-994-9722,

REAL Broker LLC

Source: Hive MLS,MLS#: 100584283MLS LogoOriginating MLS: Cape Fear Realtors MLS, Inc.

Facts & features

Interior

Bedrooms & bathrooms
  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
Rooms
  • Room types: Master Bedroom, Bedroom 2, Bedroom 3, Bathroom 1, Bathroom 2, Living Room
Heating
  • Propane, Heat Pump
Cooling
  • Central Air, Ceiling Fan(s), Heat Pump
Appliances
  • Included: Gas Oven, Built-In Microwave, Washer, Refrigerator, Ice Maker, Dryer, Dishwasher, ENERGY STAR Qualified Appliances, Tankless Water Heater, Gas Range
  • Laundry: Laundry Room
Features
  • 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)
  • Flooring: LVT/LVP, Carpet
  • Doors: Thermal Doors, Storm Door(s)
  • Windows: Skylight(s), Storm Window(s)
  • Basement: None
  • Attic: Floored,Partially Floored,Pull Down Stairs
  • Has fireplace: No
Interior area
  • Total structure area: 1,440
  • Total interior livable area: 1,440 sqft
Video & virtual tour

Property

Parking
  • Parking features: Attached, Covered, Lighted, Off Street, On Site, Paved
  • Has attached garage: Yes
Accessibility
  • Accessibility features: Accessible Elevator Installed
Features
  • Levels: Two
  • Patio & porch: Covered, Deck, Enclosed, Patio, Porch, Screened, Wrap Around, Rear Porch
  • Exterior features: Shutters - Board/Hurricane, Outdoor Shower, Irrigation System, Storm Doors, Thermal Doors
  • Pool features: None
  • Fencing: Chain Link,Partial,Back Yard,Front Yard
  • Has view: Yes
  • View description: Canal, ICW, Marsh, Sound, Water
  • Has water view: Yes
  • Water view: Canal,Marsh,Sound,Water
  • Waterfront features: Boat Lift, Canal Front, Waterfront, Water Depth 4+, ICW Front
  • Frontage type: ICW Front,Canal Front
Lot
  • Size: 6,534 Square Feet
  • Features: Dead End, Front Yard, Boat Slip, Boat Dock, Boat Lift, Deeded Waterfront, Navigable Water, Water Depth 4+
Details
  • Additional structures: Covered Area, Bathhouse, Storage, Workshop
  • Parcel number: 801203
  • Zoning: MHS
  • Special conditions: Standard
  • Other equipment: Generator

Construction

Type & style
  • Home type: SingleFamily
  • Property subtype: Single Family Residence
Materials
  • Vinyl Siding, Wood Frame
  • Foundation: Other, Pilings
  • Roof: Metal
Condition
  • New construction: No
  • Year built: 1992

Utilities & green energy

  • Sewer: Public Sewer
  • Water: Public
  • Utilities for property: Sewer Connected, Water Connected
Green energy
  • Energy efficient items: Lighting, Thermostat

Community & HOA

Community
  • Security: Security Lights, Smoke Detector(s)
  • Subdivision: Old Settlers Beach
HOA
  • Has HOA: No
  • Amenities included: Waterfront Community, None
Location
  • Region: Surf City

Financial & listing details

  • Price per square foot: $743/sqft
  • Tax assessed value: $883,101
  • Annual tax amount: $6,976
  • Date on market: 6/25/2026
  • Cumulative days on market: 70 days
  • Listing agreement: Exclusive Right To Sell
  • Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
  • Road surface type: Paved

Price history

DateEventPrice
8/21/2026Price change$1,070,000-0.5%$743/sqft
Source: Hive MLS #100584283 Report a problem
8/4/2026Price change$1,075,000-2.3%$747/sqft
Source: Hive MLS #100584283 Report a problem
6/25/2026Listed for sale$1,100,000+20.9%$764/sqft
Source: Hive MLS #100584283 Report a problem
10/1/2024Sold$910,000-1.1%$632/sqft
Source: Hive MLS #100431996 Report a problem
8/7/2024Contingent$920,000$639/sqft
Source: Hive MLS #100431996 Report a problem
5/15/2024Price change$920,000-2.6%$639/sqft
Source: Hive MLS #100431996 Report a problem
5/4/2024Price change$945,000-0.4%$656/sqft
Source: Hive MLS #100431996 Report a problem
4/16/2024Price change$949,000-0.1%$659/sqft
Source: Hive MLS #100431996 Report a problem
3/21/2024Listed for sale$950,000$660/sqft
Source: Hive MLS #100431996 Report a problem

Public tax history

YearProperty taxesTax assessment
2025$3,856 $588,715
2024$3,856 $588,715
2023$3,856 0%$588,715
2022$3,856 +43.6%$588,715 +54.6%
2021$2,685 $380,830
2020$2,685 $380,830
2019$2,685 $380,830
2018$2,685 +11.9%$380,830 +7.1%
2017$2,400 $355,590
2016$2,400 $355,590
2015$2,400 $355,590
2014$2,400 +7.1%$355,590 -7.2%
2013$2,242 $383,270
2012$2,242 $383,270
2011$2,242 $383,270
2010$2,242 -38.1%$383,270 -37.5%
2009$3,619 +12.7%$613,436
2008$3,212 -0.4%$613,436
2007$3,226 -0.1%$613,436
2006$3,228 +127.6%$613,436 +222.5%
2005$1,419 $190,189

Find assessor info on the county website

Monthly payment

Est. payment
$5,967/mo
Principal & interest
$5378
Property taxes
$589
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Estimated market value

$1,039,300

$987,000 - $1.09M

$1,787/mo

Climate risks

Explore flood, wildfire, and other predictive climate risk information for this property on First Street®️.

Neighborhood: 28445

Nearby schools

Coastal Elementary
Grades K-55.2 miles
10/10
GreatSchools® Rating
Test Score Rating
9/10
Student Progress Rating
10/10
Dixon Middle
Grades 6-88.4 miles
7/10
GreatSchools® Rating
Test Score Rating
7/10
Student Progress Rating
7/10
Dixon High
Grades 9-129.9 miles
5/10
GreatSchools® Rating
Test Score Rating
7/10
College Readiness Rating
4/10
Student Progress Rating
3/10