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

$865,000
5 Beds ⋅ 4 Baths
Classic Canal Cottage, outstanding waterfront amenities, significant price improvement... seller says ''I'm ready for this to be sold''. 4 bedrooms, 4 baths, upgraded with LVP flooring throughout, with fenced yard for privacy, kids, or pets. On the main living level: Three bedrooms, one with full bath in the hall, a secondary master suite with updated master bath plus an additional private owners retreat with a 'flex' room for office, nursery or private owners den. A large master bath with double vanity and extra large walk in closet along with an upstairs laundry area completes the owner retreat. Ground level has a two car garage with automatic openers, a large open space that could double as a game/rec room or canal party room, popular in the canal neighborhoods, a full bath, a potential bedroom and kitchen area plus laundry area with hookups, so the possibilities are endless for this space. The outside living space is what the canals are all about. Block concrete patios scattered around in the fenced waterfront back yard. A storage cottage (shed) for boat and beach toys, yard tools, etc. that is grandfathered. The sea wall has been refurbished and decking is extensive, covered area over the boat slip and there's two boat lifts. Close to the end of the canal street opens up the views and affords great views to the ICWW and quick trips by boat to the Intracoastal Two boat lifts, one boat slip and updated decking and sea wall on waterfront with a grandfathered storage building for all the boat and beach toys. There's even a boat trailer/extra parking space on the street side. Come check out this value and imagine all the things you can do here.

4069 4th St, Surf City
$729,000
3 Beds ⋅ 3 Baths
Welcome to 4074 4th Street, a canal-front home in Surf City offering the best of both sides of Topsail Island life. Keep your boat right outside your back door, with approximately 55 feet of canal frontage, a dock and boat lift, while the beach and Atlantic Ocean are within walking distance. This 3-bedroom, 3-bath waterfront home offers 1,762 heated square feet and convenient access to the Intracoastal Waterway, giving you the freedom to spend the morning on the ocean and the afternoon on the boat without ever leaving the island. Inside, there's plenty of room to spread out. The main living area connects with the dining area and kitchen, including an eat-in bar, while a large family room provides additional space for gathering and relaxing. A tiled sunroom takes advantage of the canal views and gives you another place to enjoy the waterfront setting throughout the day. The ground level adds valuable space for the way people actually live at the coast. A covered porch provides a shaded place to relax near the water, while the utility room and large storage areas provide room for beach gear, fishing equipment, bikes, tools and boating supplies. A ground-level bathroom is especially convenient when coming in from the boat, beach or spending the day outside. From the backyard, you're just steps from the dock and boat lift. Head out for a morning of fishing, cruise the Intracoastal Waterway, or spend the afternoon exploring the waters around Topsail Island. When the beach is calling, leave the boat at the dock and walk to the sand. The home is elevated on pilings with a metal roof and sits on a 55' x 140' canal-front lot with no HOA. There's also an opportunity to personalize the home and waterfront areas over time to fit your own vision of coastal living. Whether you're searching for a primary residence, second home or coastal getaway, 4074 4th Street offers a combination that defines Topsail Island living: the beach within walking distance, your boat in your backyard, canal-front living and no HOA.

4074 4th St, Surf City
$1,150,000
4 Beds ⋅ 3 Baths
Welcome to 922 Broadway Street, a turnkey four-bedroom, three-bath canal-front home in Surf City that captures everything people love about coastal living. Beautifully positioned on the water and just a few blocks from direct beach access, this furnished retreat offers the rare combination of boating, beach access, exceptional outdoor living, and water views from every bedroom. Designed with a reverse floor plan, the top level is bright, open, and airy, with an abundance of windows filling the space with natural light. Vaulted ceilings, shiplap accents, an electric fireplace, and screened sliders create an inviting coastal atmosphere while allowing fresh breezes to flow throughout the living space. The open-concept kitchen and living area is complemented by a wet bar with wine refrigerator, soft-close cabinetry, and dedicated wine storage--ideal for effortless entertaining. A bedroom on this level connects directly to a full bath, while the shaded upper deck overlooks the canal and provides an inviting setting for morning coffee, evening cocktails, and beautiful sunrise and sunset skies. A fresh herb garden on the deck offers a charming finishing touch. Enjoy peaceful views across the water and watch boats pass along the nearby Intracoastal Waterway. The second level features three additional bedrooms, each with direct deck access and water views, along with a new washer and dryer that convey. Outside, the property transforms into an entertainer's paradise. The beautifully landscaped yard features a covered ground-level patio which offers an expansive shaded gathering space complete with an oversized picnic table, hot tub, outdoor games, outdoor shower, and storage space. From there, the property flows seamlessly to the canal, where a covered waterfront gazebo with string lights and hanging hammock swings creates an idyllic setting to relax over the water. A ladder provides easy access to the canal for swimming or floating after a long day at the beach, while the 10,000-pound boat lift makes this an exceptional offering for boating enthusiasts. The canal also invites a quintessential coastal pastime--cast a line or drop a crab pot right from your own backyard and enjoy the simple pleasures of life on the water. Two shaded decks provide additional outdoor living space, and an exterior elevator makes transporting groceries, luggage, and beach gear from the ground level effortless. Offered furnished with household essentials, the home is truly ready to enjoy from day one. Located within walking distance of parks and nearby dining and entertainment, with the beach just a few blocks away, 922 Broadway Street offers an exceptional Surf City lifestyle--spend the morning on the ocean, the afternoon on the boat, and the evening relaxing waterfront beneath the lights of your own private gazebo. Whether enjoyed as a primary residence, an elegant coastal retreat, or a compelling investment opportunity, 922 Broadway Street presents a rare opportunity to experience the very best of waterfront living in Surf City.

922 Broadway St, Surf City
$3,295,000
8 Beds ⋅ 10 Baths
Stunning New Construction On North Topsail. Breathtaking Ocean Views. 8-bed, 9.5 bath home is designed for luxury beachside living. The kitchen features two islands for food preparation. Baths feature elegant tile and granite throughout. Beautifully finished oversized decks and an elevator provide access to all floors. 2 washer, dryers. After a day on the sand, rinse off in the outdoor shower before enjoying the salt water pool. This coastal retreat is the ultimate island getaway.

3048 Island Dr Unit ., North Topsail Beach
$1,070,000
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
$1,240,000
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
$959,000
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
$1,089,000
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
Deep water. Private boat ramp. Quick ICW access. Beach access nearby. This is the kind of Surf City property that lets you make the most of life on the coast. Boater's dream with your own 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 raised 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
$815,000
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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