Old Settlers Beach Homes with Waterfront

Old Settlers Beach Homes with Waterfront

Welcome to Old Settlers Beach, a hidden gem nestled in the heart of Onslow County, North Carolina. This charming subdivision offers a unique blend of coastal living and serene tranquility, making it an ideal place for those seeking a waterfront lifestyle. With the gentle sound of waves and the salty breeze, Old Settlers Beach is not just a location; it's a way of life.

The allure of Old Settlers Beach lies in its stunning homes, each designed to embrace the beauty of the surrounding landscape. Many properties boast breathtaking waterfront views, allowing residents to wake up to the soothing sights and sounds of the ocean. Imagine sipping your morning coffee on the porch, watching the sun rise over the water, or enjoying evening strolls along the shoreline as the sun sets in a blaze of color.

Beyond the picturesque scenery, Old Settlers Beach offers a vibrant community atmosphere. Neighbors become friends, sharing stories and creating lasting memories. The subdivision is conveniently located near local shops, restaurants, and recreational activities, ensuring that everything you need is just a stone’s throw away.

For those who love outdoor adventures, the nearby beaches provide ample opportunities for swimming, fishing, and water sports. Whether you're looking for a family home or a vacation retreat, Old Settlers Beach is the perfect destination to create your own slice of paradise. Come explore the charm of this waterfront community, where every day feels like a vacation!

Newest Old Settlers Beach Homes with Waterfront

$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
$1,240,000
5 Beds ⋅ 5 Baths
Stunning 5-bedroom oceanfront home in highly desirable North Topsail Beach, offering exceptional coastal living and strong rental performance. Enjoy panoramic Atlantic views and direct beach access from this fully furnished, turnkey property designed for comfort, convenience, and relaxation. Premium features include a private hot tub and a NEW residential elevator installed providing easy access to all levels. Inside, the home offers spacious living areas, updated finishes, and ample room for family and guests. With multiple bedrooms, generous common spaces, and inviting outdoor areas, this property is ideal for creating lasting beachside memories. This home is also a proven income-producing investment, generating $107,000 in gross rental income in 2025, with similar projections expected for 2026. The property is not located in the CBRA zone and qualifies for federal flood insurance, adding valuable peace of mind for both personal use and investment purposes. Bring your Electric Vehicle with convenience of a Tesla Universal EV charger, right on-site. Located in a prime section of North Topsail Beach, you'll enjoy pristine shoreline just steps away, along with close proximity to local dining, shopping, and area attractions. A rare opportunity to own a fully furnished oceanfront property--ideal as a vacation home, investment property, or year-round coastal escape.

242 Sea Shore Dr, North Topsail Beach
$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
$999,000
4 Beds ⋅ 4 Baths
Welcome to your own slice of coastal paradise on the highly sought-after 'Surf City Canals'. Perfectly timed for summer, boating season and everything coastal living has to offer. This well-built waterfront home is an incredible opportunity to enjoy life on the water with easy access to the ICWW just a short ride down the canal & close proximity to public beach access & all the Surf city staples. Designed with comfort and functionality in mind, this home features an open-concept layout connecting the kitchen, dining space, living room & large waterfront facing decks! All filled with natural light and beautiful views from nearly every window. Down the hall you'll find three spacious guest bedrooms, including a private guest suite with its own updated full bath and another flexible room ideal for a home office, den or bunk room, a full hall bathroom & step up landing with laundry closet & access to the primary bedroom. The oversized primary suite is tucked privately above the garage, creating a peaceful retreat complete with vaulted ceilings, a large walk-in closet, dual vanities and a spacious tub/shower combination. The possibilities don't stop there the ground-floor level is ready for you to make it your own! It offers even more flexible space with sliding glass doors opening to the large patio spaces and the fenced in backyard. When you see it, think; game room, home gym, entertaining area, storage space, additional guest quarters or maybe a potential rental space! Already set up with a full bathroom and second laundry area, this bonus space adds tremendous value and versatility to the home, it just needs your own personal touch to make it come to life. Step outside where this property truly shines. Mature palm trees and lush landscaping frame the fenced backyard, while the expansive outdoor living spaces invite you to relax and soak in the coastal breeze on your own dock with an open boat slip & 2 boat lifts. Enjoy stunning Surf City sunsets from right here or the covered 30x8 deck overlooking the canal, rinse off after a beach day in the spacious outdoor shower, fish off your own dock or simply sit and take in the salt breeze after a busy day. A 16x16 workshop offers plenty of storage for fishing gear, beach equipment, lawn tools and all your water toys. With an oversized two car garage (26 x 23), parking for 4+ vehicles in the main driveway and an additional 30+ foot long single driveway, parking for boat trailers, RV's or extra guests shouldn't be a problem. Whether you're heading out for a day of boating and fishing, cruising the island by golf cart or taking a quick walk or bike ride to the beach, local parks, restaurants, nightlife and Surf City favorites, this home delivers the ultimate waterfront lifestyle at an exceptional value. Even better some major updates have already been completed for peace of mind including a mini-split HVAC system installed in 2021, water heater replaced in 2020, roof replaced in 2018, plus an updated seawall, fencing, decks, and HVAC systems all within the last 10 years or less. If you've been searching for a must-see coastal home with space, flexibility, deep-water access and an unbeatable location this Surf City gem is ready to welcome you home!

4069 4th St, Surf City
$1,175,000
4 Beds ⋅ 2 Baths
Welcome to ''Serenity by the Sea'' -- a rare oceanfront opportunity in the highly sought-after Old Settlers Beach section of North Topsail Beach, where charming coastal character, direct beachfront living, and proven rental performance come together beautifully. YOUR OWN PRIVATE BEACH ESSENTIALLY--rare location. Potential $110,000 gross. Perfectly positioned on nearly private oceanfront lot with private beach access, this beautifully updated 4-bedroom, 2-bath coastal retreat offers the ideal blend of personal getaway and investment property. With approximately 1,300+ heated square feet, this home maximizes every inch with a desirable reverse floor plan designed to showcase breathtaking Atlantic Ocean views from the main living spaces. The upper level features an open-concept kitchen, dining, and living area filled with natural light, vaulted ceilings, and expansive oceanfront decking where sunrise coffee and evening ocean breezes become part of daily life. Updated finishes, solid surface countertops, coastal-inspired interiors, and spacious entertaining areas create an inviting atmosphere for owners and guests alike. The home's flexible layout includes multiple ocean-view bedrooms, dual covered and open decks, outdoor gathering spaces, and direct access to one of North Topsail's widest stretches of sandy shoreline. Whether enjoying the deck swing, outdoor seating areas, or panoramic views, this property captures the true essence of beachfront living. Highlights Include: Direct oceanfront location in Old Settlers Beach 4 bedrooms / 2 baths Reverse floor plan for elevated views Expansive multi-level decking Private beach walkway Strong vacation rental potential Updated kitchen and interior finishes Turnkey furnished coastal retreat Covered parking and outdoor storage Ideal second home, investment property, or primary beachfront residence Located in one of North Topsail Beach's most desirable niches, Old Settlers Beach is known for its quieter setting, strong rental demand, and proximity to Surf City dining, shopping, and entertainment while maintaining a more private coastal feel. Comparable recent sales in this niche continue to demonstrate strong demand for well-positioned oceanfront homes, especially those offering charm, updated interiors, and rental flexibility. () Whether you're seeking a proven income-producing asset, family beach escape, or your own piece of Topsail Island paradise, 238 Topsail Road delivers the location, views, and lifestyle buyers dream about. Experience oceanfront living where every day feels like vacation.

238 Topsail Rd, North Topsail Beach
$650,000
3 Beds ⋅ 2 Baths
Beautiful canal front home offering the perfect blend of coastal charm and functional waterfront living. A stunning mature oak tree welcomes you at the front of the property, providing shade and character on warm summer evenings. This well designed home features three bedrooms and two full baths, along with an open concept kitchen, dining, and living area ideal for everyday living and entertaining. An additional sitting area overlooks the canal, creating a peaceful space to relax and enjoy the water views. Step outside to a spacious back deck, perfect for outdoor dining and gatherings. A storage shed provides convenient space for yard tools, beach gear, and recreational equipment. The property includes a large covered dock and over 50 feet of deep water frontage, offering excellent access for boating, fishing, and enjoying the coastal lifestyle.

7060 7th St, Surf City
$769,000
3 Beds ⋅ 2 Baths
Boater's dream in Surf City with private boat ramp! This turnkey 3 bedroom, 2 full bath, canal front home is fully equipped for year round living on the water, a vacation home or as an investment property. Featuring a boat lift, jet ski floater, 4 pilings for an additional lift and a private boat ramp, you'll have unmatched convenience with direct access from your backyard. Bring your boat or jet skis and create the ultimate summer experience right at home. The home has been professionally cleaned and freshly painted, offering a move-in or rental-ready opportunity. Unwind on the updated sun deck overlooking the water with beautiful sunset views. Recent exterior upgrades include a brand new seawall, a freshly sodded backyard, and new palm trees, creating a clean, low-maintenance coastal setting. An outdoor shower hookup adds the perfect finishing touch after long days on the water. Located just minutes from the ocean, dining, and everything Surf City has to offer, this is a rare opportunity to own a fully turnkey waterfront property with a private boat ramp on the highly sought after canals of Surf City. Rental projections available.

9105 W 9th St, Surf City
$830,000
3 Beds ⋅ 2 Baths
Discover coastal living at its finest! This beautiful canal-front property features its own private boat ramp and waterfront deck, making it perfect for boating enthusiasts. The home offers three spacious bedrooms and two full baths. One of your favorite spaces is sure to be the bright sunroom overlooking the water, the perfect place to relax and unwind. The kitchen includes a dining area, plus there is an additional bonus room that can serve as extra dining space, a playroom, a TV room, or anything you envision. Plantation shutters throughout add charm and character. Downstairs, you will find a generous coverage area perfect for entertaining guests, relaxing on swings, or simply enjoying the peaceful waterfront views. Two storage rooms are located downstairs for storing beach items, lawnmower, etc. There is an additional covered deck by the water where you can sit back and watch the boats cruise by. Located just minutes by boat to the intercoastal waterway, this property offers both convenience and coastal charm. Whether you are searching for a vacation getaway, second home, permanent residence, or an Airbnb investment opportunity, this property is an excellent choice.

9055 W 9th St, Surf City
$940,000
4 Beds ⋅ 2 Baths
Where coastal living and deep-water access come together, this turnkey waterfront property offers the ideal blend of beach and boating lifestyle. This one owner 4BR/2BA home is only seven years old & features 1,336 heated sq ft, open living & kitchen area and is perfectly positioned on a deep-water canal with Private Dock & Sound views. Also includes private boat ramp. Plenty of room for future Boat lift & finger docks. Fully furnished and rental-ready, it's ideal as a primary residence, second home, or investment property. Relax on the back porch overlooking the water, or take the short walk/golf cart ride to several public beach accesses, eating & drinking establishments & more. Vinyl siding for low maintenance & Concrete slab parking underneath. for multiple vehicles. Lift in place for easy access to living level . Vacant and easy to show. Rental Projections available upon request.

1017 1st St, Surf City
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