Surf City Homes with Waterfront

Surf City Homes with Waterfront

Welcome to Surf City, North Carolina, a coastal gem that perfectly blends the charm of small-town living with the allure of beachside paradise. Nestled between the Atlantic Ocean and the Intracoastal Waterway, Surf City is renowned for its stunning waterfront properties, making it an ideal destination for those seeking a serene lifestyle by the sea.

Imagine waking up to the soothing sounds of waves lapping at the shore and the gentle sea breeze wafting through your home. In Surf City, this dream can become a reality. The real estate market here boasts an impressive array of waterfront homes, ranging from cozy beach cottages to luxurious oceanfront estates. These properties not only offer breathtaking views but also provide direct access to pristine beaches and tranquil waterways, perfect for boating, fishing, or simply enjoying a sunset stroll.

Beyond its picturesque homes, Surf City offers a vibrant community filled with friendly locals and a laid-back atmosphere. Explore charming shops, indulge in fresh seafood at local eateries, or immerse yourself in outdoor activities such as kayaking and paddleboarding. The town is also known for its annual events and festivals that celebrate the rich culture and history of the area.

Whether you’re looking for a permanent residence or a vacation getaway, Surf City’s waterfront homes provide a unique opportunity to embrace a lifestyle of relaxation and adventure. Discover the beauty of coastal living in Surf City, where every day feels like a vacation. Come and find your slice of paradise today!

Newest Surf City Homes with Waterfront

$999,000
4 Beds ⋅ 4 Baths
Deeded water rights, a private deeded boat slip with a 7,000-pound boat lift, panoramic Intracoastal Waterway views, and an unbeatable Surf City location! Wake up each morning to spectacular sunrises over the ICWW while relaxing on your covered waterfront deck overlooking the Intracoastal Waterway, Topsail Island, and the iconic Surf City Bridge. Rarely does an opportunity like this become available in one of Surf City's most sought-after waterfront communities. Designed with a reverse floor plan to maximize the breathtaking views, this beautifully maintained end-unit townhome offers 4 bedrooms, 3.5 bathrooms, a three-stop elevator, and additional windows that fill the home with natural light. The top floor is dedicated to the main living space, where the open-concept living room, dining area, and kitchen capture incredible panoramic water views. Step outside to your deeded boat slip with a 7,000-pound boat lift and be on the Intracoastal Waterway within minutes. Enjoy boating, fishing, kayaking, paddleboarding, canoeing, jet skiing, or cruising to nearby waterfront restaurants and marinas. Few properties offer this combination of deeded water rights, direct water access, and such an exceptional location. The spacious kitchen features granite countertops, stainless appliances, bamboo flooring throughout the main living areas, and an open layout. The waterfront primary suite is located on the level just below the main living area, allowing you to wake each morning to peaceful water views. An upstairs bedroom features its own private ensuite bath, making it ideal for guests, while every bedroom offers oversized closets and exceptional storage. Designed for coastal living, this home also includes hurricane shutters, providing added storm protection and peace of mind. After a day on the water, the spacious mudroom provides the perfect drop zone for beach gear and boating essentials before stepping onto the covered rear porch overlooking the waterfront. From here, you'll enjoy views of the community's waterfront gathering deck, private docks, and outdoor shower, making it easy to rinse off after a day on the boat or at the beach. Residents enjoy outstanding community amenities including a waterfront swimming pool, private boat ramp, clubhouse with billiards room, waterfront gathering deck, and outdoor shower. Whether you're launching your boat, relaxing by the pool, or gathering with neighbors along the water, every day feels like a vacation. The location simply cannot be overstated. Leave your car parked and walk, bike, or take your golf cart to Surf City's beautiful beaches, the Surf City Bridge, waterfront parks, coffee shops, restaurants, boutiques, seafood markets, grocery stores, and the town's year-round festivals and community events. Skip the weekend beach traffic and enjoy the convenience of having everything just minutes away. You can even launch your kayak or paddleboard from your dock and explore the waterways or paddle across to Topsail Island for waterfront dining and entertainment. Waterfront homes with deeded water rights, a private boat lift, elevator, reverse floor plan, and direct Intracoastal Waterway access rarely become available in this community. Whether you're searching for a full-time residence, second home, or investment property, this exceptional coastal home offers the perfect combination of convenience, boating access, and the waterfront lifestyle that makes Surf City one of North Carolina's most desirable destinations. Schedule your private showing today!

302 Vesta Ct, Surf City
$1,278,000
4 Beds ⋅ 2 Baths
Welcome to Vintage Vacation, an oceanfront coastal retreat where panoramic beach views, floor-to-ceiling windows, and multiple outdoor living spaces create an unforgettable waterfront experience. Perfectly positioned on the shores of Surf City, this 4-bedroom, 2-bath home offers the ideal blend of classic beach charm and breathtaking scenery. From the moment you step inside, you'll be captivated by the abundance of natural light pouring through the floor-to-ceiling windows in both the living room and the primary bedroom, framing spectacular views of the Atlantic Ocean. The open-concept living area is designed for gathering, entertaining, and soaking in the ever-changing coastal backdrop. The spacious kitchen flows seamlessly into the main living space, making it easy to host family and friends after a day on the beach. Comfortable bedrooms provide plenty of room for guests, while the oceanfront primary suite offers a peaceful retreat where you can wake up to stunning sunrises over the water. Outdoor living is where this home truly shines. Relax on the oceanfront deck, rinse off in the outdoor shower after a day in the sand, or head up to the rooftop deck to enjoy panoramic views of the Atlantic Ocean, spectacular sunsets over the island, and star-filled coastal evenings. With the beach just steps away, every day feels like a vacation. In addition to its incredible location and amenities, this property has an established history of strong rental income, making it an attractive opportunity for buyers seeking an income-producing coastal investment. Rental history and income information are available upon request. The home is being offered fully furnished with only a few exclusions, allowing the next owner to begin enjoying or renting the property with ease. Even better, this home benefits from low flood insurance costs for an oceanfront property, offering added value and long-term savings. Conveniently located near Surf City's restaurants, shopping, fishing pier, and local attractions, this property presents an exceptional opportunity as a primary residence, second home, or investment property. If you've been dreaming of owning a true oceanfront escape with unforgettable views from nearly every angle, this is the one.

2002 S Shore Dr, Surf City
$120,000
Oceanfront 2 parcels, lot 5,6,7 & 8 that are Not currently feasible to build on due to zoning regulations & state oceanfront setbacks. The lot could be used for a private beach access with a crossover, subject to CAMA & NCDENR for obtaining a CAMA permit as well as the Town of Surf City approval & permitting. Camping and RVs are prohibited for this property. This is a great opportunity for mainland or interior property owners looking to acquire deeded beach access.1602 N Shore lot also available.

1604 N Shore Dr, Surf City
$2,600,000
6 Beds ⋅ 7 Baths
Introducing 736 Dune Ridge Court, a newly constructed 6-bedroom, 6.5-bath oceanfront luxury home on Topsail Island. Designed for elevated coastal living, exceptional vacation-rental potential, and the ultimate second-home lifestyle, this beachfront residence offers direct ocean access through a private beach walkway, three levels of oceanfront decks, and panoramic Atlantic views. The main living level features an open-concept floor plan with expansive ocean-facing spaces, a modern electric fireplace, custom built-ins, and seamless indoor-outdoor flow. The chef's kitchen combines luxury with functionality through high-end stainless steel appliances, two refrigerators, two dishwashers, and a private scullery offering additional preparation space and storage. A wet bar with a wine refrigerator and professional ice maker creates the perfect gathering space after a day on the water. The thoughtfully designed floor plan includes two ocean-facing primary suites, each capturing beautiful coastal views and featuring a spacious walk-in shower. All six bedrooms include private ensuite bathrooms, providing comfort and privacy for owners and guests alike. Additional features include an elevator serving each level, two complete sets of washers and dryers, a two-car garage, and multiple outdoor living spaces designed to showcase ocean breezes, sunrises, and unobstructed beachfront views. Built for long-term coastal ownership, the home is supported by substantial 10-by-10 structural pilings and finished with five-point interlocking vinyl shake siding rated for winds up to 185 mph. The property is located in an AE flood zone, with reduced insurance quotes available for review. Paragon Vacation Rentals projects approximately $275,000 in annual gross vacation-rental revenue, positioning this property as an exceptional opportunity for buyers seeking a high-performing luxury oceanfront investment, a private Topsail Island retreat, or a combination of both. 736 Dune Ridge Court delivers the location, construction quality, amenities, and income potential today's oceanfront buyer is searching for.

736 Dune Ridge Ct, Surf City
$374,500
1 Beds ⋅ 2 Baths
Experience the best of North Carolina coastal living in this first-floor 1-bedroom, 1.5-bath condo on beautiful Topsail Island. This move-in-ready beach retreat features an open floor plan, a private balcony for enjoying ocean breezes, a spacious bedroom, two covered parking spaces, and a private storage closet for all your beach essentials. The Surf is a gated oceanfront complex offering outstanding amenities, including a large swimming pool, private beach access, fitness center, picnic area, and laundry facility. Recent updates include a new HVAC (2023) and water heater (2024), adding peace of mind for the next owner. Just minutes from Surf City's restaurants, shopping, and fishing pier, this property is perfect as a vacation getaway, full-time residence, or income-producing vacation rental. Whether you're looking for your own beach escape or a smart investment, this Topsail Island condo is ready to welcome you.

918 N New River Dr Unit 314, Surf City
$715,000
3 Beds ⋅ 3 Baths
Positioned along the coveted shores of Surf City, 515 N New River Drive, Unit D is a meticulously maintained 3-bedroom, 3-full-bath townhome with breathtaking views of the Intracoastal Waterway. Built in 2006 and impeccably kept, this 1,894 sq ft coastal home is the kind of property that doesn't come along often. Step out onto your private deck and watch yachts glide by as the sky transforms into a canvas of color each evening -- sunsets over the water that simply never get old. When you're ready for sand between your toes, the beach and Surf City's waterfront restaurants are just a short stroll away. Inside, the home strikes a balance between comfort and quality -- quartz countertops, a cozy fireplace perfect for cooler coastal evenings, and plenty of storage throughout, including generous closets and a large garage. An outdoor shower makes rinsing off after the beach effortless. Whether you're looking for a primary residence, a vacation getaway, or a solid investment, this Surf City gem delivers the full coastal lifestyle -- views, location, space, and comfort. Opportunities like this on the Carolina coast are few, and they rarely wait.

515 N New River R Unit D, Surf City
$1,100,000
3 Beds ⋅ 3 Baths
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

1023 1st St, Surf City
$1,800,000
4 Beds ⋅ 5 Baths
Welcome to 9th Street-- one of Surf City's most coveted waterfront addresses. Built in 2019 and meticulously maintained, this custom canal-front home shows like new construction. Offering over 3,600 square feet, the home features 4 bedrooms, 4.5 bathrooms, a spacious flex room that provides valuable additional living space, and an elevator for effortless access to every level. Designed with a reverse floor plan to maximize the views, the upper level features the primary suite and open-concept living, dining, and kitchen areas, all filled with natural light and framed by expansive windows overlooking the canal with views of the Surf City Bridge and surrounding waterways. Expansive double porches on both sides of the home were designed to capture the views, offering the perfect setting for morning coffee, evening gatherings, and unforgettable sunsets over the water. Thoughtfully designed for both everyday living and entertaining, the kitchen features a large island, leathered granite countertops, stainless steel appliances, and a walk-in pantry with plumbing and drainage for a future ice machine. The open-concept design flows seamlessly into the dining and living areas, creating an inviting space for entertaining and everyday coastal living. Throughout the home, thoughtful details such as tall ceilings, wide hallways, and illuminated stairways contribute to the home's spacious feel and custom design. The primary suite is a true retreat, featuring a spacious walk-in closet and a spa-like bathroom with a luxurious walk-in shower equipped with body jets. Three additional bedrooms, each with a private ensuite bathroom, are located on the second level along with a generous secondary living area and laundry room with cabinetry and a sink. On the ground level, you'll find a conditioned entry foyer, ample storage, covered parking, and an outdoor shower. Outside, manicured landscaping, irrigation, a large driveway with plenty of guest parking, a private dock, and a 10,000-pound boat lift complete the property. Additional features include a tankless water heater, hurricane shutters, and BRAND NEW HVAC systems upgraded with coastal coating for enhanced durability in the coastal environment. Loved by both full-time residents and vacation homeowners, the Canal Streets are known for their friendly atmosphere and the relaxed coastal lifestyle that defines Topsail Island living. Neighbors and families enjoy walking, biking, and golf carting throughout the Canal Streets, while the beach, shops, restaurants, and ice cream are just a short golf cart ride away. Opportunities like this on 9th Street are rare. Come experience the best of waterfront living on Topsail Island.

9091 W 9th St, Surf City
$1,089,900
3 Beds ⋅ 2 Baths
--Beautifully Updated-- canal-front home -- deep water access--stunning water views, --private boat dock. Whether you enjoy cruising the Intracoastal Waterway, fishing, or simply relaxing by the water, this property is designed for making lasting memories. --The spacious open floor plan creates the perfect gathering place for family and friends, with the living area flowing onto a covered waterfront deck-- unwind and watch the boats pass by-- The well-appointed kitchen features-- granite countertops and plenty of space for entertaining.--The main living area offers 3 bedrooms& 2 baths, while the ground-level apartment has 1 bedroom &flex space being used as a bedroom, full kitchen and bath.( 773 extra sq ft, not included in primary sq footage) Use it to maximize rental income, accommodate guests, or keep the lower level for your own private retreat while renting the upper level.--Outside, enjoy a beautifully landscaped backyard, a bulkheaded waterfront, and both covered and uncovered docking areas at your private boat dock. The deep-water canal provides direct access to the Intracoastal Waterway, making this a dream property for boating enthusiasts. Additional features include: • Deep-water canal frontage • Private boat dock with covered and uncovered area • Direct access to the Intracoastal Waterway • Spacious open-concept floor plan • Covered waterfront deck with beautiful water views • Granite countertops • Ground-level apartment with, 1 bedroom/ large flex space, full kitchen and bath • Landscaped backyard • Outdoor storage area for beach and boating gear • Excellent rental potential • Convenient location near restaurants, shopping, and local attractions • Short stroll to beach access

1041 1st St, Surf City
$675,000
2 Beds ⋅ 1 Baths
Live where others vacation! Located in vibrant Surf City on Topsail Island, this 2-bedroom home delivers the coastal lifestyle you've been dreaming of. Spend your days exploring beautiful beaches, fishing, kayaking the waterway, or simply relaxing on the island. The open concept living and kitchen area is great for entertaining. Spacious bedrooms and a full bath with washer and dryer finish the interior. A front deck lets you chat with your neighbors as they stroll by, while the back deck views of the canal allow you to wave to your neighbors boat by. With a generous lot, there's plenty of space for outdoor fun, including a dock and extra gravel parking for your boat and/or jet ski. There is under-house storage for all of your beach gear. Whether you're planting roots, seeking a seasonal escape, or investment, with a little love, 3031 3rd Street is ready for its next chapter.

3031 3rd St, Surf City
$849,990
Rare opportunity to own a prime oceanfront homesite in the heart of beautiful Surf City! This exceptional beachfront lot offers breathtaking Atlantic Ocean views, direct beach access, and the chance to create the custom coastal home you've always envisioned. Whether you're seeking a full-time residence, a vacation getaway, or a lucrative investment property, this ready-to-build lot provides the perfect foundation for your dream. Even better, much of the groundwork has already been completed -- a CAMA permit has been secured and custom house plans have already been professionally designed to maximize the largest possible home for this lot size and shape, saving valuable time and expense in the building process. In 2025, the sellers obtained quotes from three local builders to construct the proposed home, with all three coming in between $1.132M and $1.168M -- giving buyers a real, grounded sense of total project cost before they even break ground. Please note: the first and second photos are AI-generated renderings based on the architectural build plans and are intended to illustrate the potential of the proposed home -- not the current condition of the lot. Enjoy sunrises over the ocean, miles of sandy beaches, and all the charm, dining, and recreation that Surf City has to offer. Opportunities like this are becoming increasingly rare along the North Carolina coast. Don't miss your chance to build exactly what you want in one of Surf City's most desirable oceanfront locations. Start living the coastal lifestyle you've been dreaming about today! Price reflects the lot only.

522 N Shore Dr, Surf City
$1,895,000
5 Beds ⋅ 3 Baths
Welcome to 816 S Shore Drive, an extraordinary oceanfront home nestled within the highly coveted ''S-Curve'' of Surf City, NC. Properties of this caliber, in this precise location, are a rare find. Offering an unparalleled blend of coastal elegance, expansive living spaces, and front-row seats to the Atlantic Ocean, this pristine 5-bedroom, 3-bathroom beach house spans an impressive 2,774 square feet of meticulously maintained living space. For almost the past six years, this residence has been cherished exclusively as a private second home. Free from the wear and tear of the traditional rental market, the pride of ownership shines through every single detail. This home is offered fully furnished and turnkey, ready for you to immediately begin creating your own lifelong beachside memories or to launch a premier luxury rental. Step inside to an open concept main level where the ocean takes center stage. A wall of windows and slider doors floods the entire living and dining area with abundant natural light, creating picturesque views of the vast blue horizon. The chef's kitchen features an island topped with durable quartz, perfect for casual morning coffee or cooking and entertaining large groups. High-end stainless steel appliances, a gourmet gas oven and cooktop, and cabinetry make meal preparation an absolute pleasure. Decorated in a soothing, neutral paint palette, the homes feels bright, airy, and inherently peaceful. The living space transitions directly out to an expansive oceanfront deck, expanding your living space into the salty coastal air. Each deck on the home features low maintenance Trex composite decking. From the decks you will take in the stunning panoramic oceanfront views. Escape to a level of privacy rarely found in coastal architecture on the third floor. The entire back half of the upstairs level is dedicated exclusively to the primary en suite with room for an extra large king bed, and two additional private seating areas. This serves as a private oasis within the home, boasting its own exclusive, elevated deck overlooking the horizon giving the ultimate vantage point for watching dolphins play at sunrise or sipping evening wine under the stars. With panoramic views, generous closet space, and a spa-like en suite bathroom, this master retreat offers a quiet haven away from guests and family. Four additional thoughtfully designed bedrooms and two bathrooms ensure that everyone has their own comfortable space to unwind after a day in the sun and sand. Step directly from your private deck down a private Trex walkway onto the soft, sandy beaches of Surf City for a seamless day by the water, and rinse away the salt and sand afterward in the convenient outdoor shower. Parking and storage are not a concern. The property features an expansive driveway with ample room for parking, complemented by an enclosed lower level underneath the home. This versatile space provides secure parking for a vehicle or golf cart, alongside additional enclosed storage perfect for keeping your surfboards, kayaks, bikes, and beach gear. Peace of mind comes built in with this property, featuring strategically placed protective sandbags integrated into the dune structure to provide a robust, added layer of shoreline protection. The ''S-Curve'' is widely recognized as one of the most desirable sections of the island, known for its wide beaches, protective dunes, and close proximity to the local boutiques, restaurants, and the iconic Surf City Pier. Whether you are seeking a pristine secondary home, a permanent relocation to the coast, or a high-yielding investment property with immense short-term rental potential, this oceanfront gem stands ready to exceed expectations. Move right in, unpack your swimsuit, and let the ocean waves welcome you home. Schedule your private tour today to experience this masterpiece in person!

816 S Shore Dr, Surf City
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