Surf City Homes under $1 million

Surf City Homes under $1 million

Welcome to Surf City, North Carolina – a hidden gem nestled along the stunning coastline of the Atlantic Ocean. Known for its breathtaking beaches, vibrant community, and laid-back atmosphere, Surf City is the perfect destination for those seeking a tranquil seaside lifestyle. With its charming small-town feel and abundant outdoor activities, this coastal paradise offers a unique blend of relaxation and adventure.

Surf City is more than just a beautiful beach town; it's a community where families thrive, friendships blossom, and memories are made. Whether you're strolling along the picturesque shoreline, indulging in fresh seafood at local eateries, or exploring the lush parks and nature trails, there's something for everyone here. The warm, welcoming spirit of Surf City is palpable, making it an ideal place to call home.

For those looking to invest in a slice of this coastal paradise, you'll be delighted to discover a range of homes available for under $1 million. From charming beach cottages to modern family homes, Surf City offers diverse real estate options that cater to various lifestyles and budgets. Imagine waking up to the sound of waves crashing and enjoying stunning sunset views from your own backyard.

With the perfect combination of affordability and coastal living, Surf City presents an incredible opportunity for homebuyers. Whether you're looking for a vacation retreat, a permanent residence, or a rental investment, this vibrant community is ready to welcome you home. Explore your options today and discover why Surf City is truly a place where dreams become reality!

Newest Surf City Homes under $1 million

204 N Boca Bay Ln Unit B, Surf City
$869,000
4 Beds ⋅ 4 Baths ⋅ 100614284 MLS
Discover coastal living in Surf City, with this beautifully maintained 4-bedroom, 4-bathroom townhome featuring peaceful marsh views, a private elevator, and convenient access to Topsail Island's beaches. Tucked away on a quiet cul-de-sac on the Intracoastal Waterway side of Surf City, this thoughtfully upgraded home offers the perfect combination of comfort, functionality, and low-maintenance coastal living. Enjoy the best of the Surf City lifestyle, from stunning marsh sunsets and coastal breezes to nearby public beach access, local restaurants, shopping, and waterfront recreation. Multiple outdoor living spaces provide beautiful views of the surrounding marsh and waterways, while the screened-in porch creates an inviting place to enjoy morning coffee, unwind in the evening, or simply take in the natural beauty of coastal North Carolina. CAMA permit in hand for installation of pier! Inside, the spacious multi-level floor plan is designed for everyday convenience, with a private residential elevator servicing every level. Engineered luxury vinyl plank flooring extends throughout the home, complemented by plantation shutters, custom barn doors, and additional wall and attic insulation for improved energy efficiency. The well-appointed kitchen features granite countertops, double ovens, updated appliances, and a pantry, offering both functionality and generous storage. The adjoining living area includes a gas log fireplace with an updated mantel and opens directly to the screened porch, creating a seamless connection between indoor and outdoor living. The primary suite offers a private coastal retreat, complete with a sitting area, its own porch overlooking the water, and a spacious bathroom featuring a garden tub and separate shower. One of the guest bedrooms on the main living level has been thoughtfully customized as a home office with extensive built-in shelving, providing an ideal space for remote work, a home library, or flexible guest accommodations. Outdoor features have been designed with coastal living in mind, including low-maintenance Trex decking, tongue-and-groove porch ceilings, an outdoor shower with a convenient dog-washing attachment, and dedicated kayak storage. Additional storage includes a ground-level closet with shelving and under-stair storage space. Mature landscaping, distinctive coastal details, and an environmentally conscious drainage system add to the property's unique character. A decorative walkway between the units incorporates Megalodon shark teeth and whale bone, creating a one-of-a-kind coastal feature. Residents enjoy access to community amenities, including a swimming pool and clubhouse, offering additional opportunities to relax and enjoy the coastal lifestyle. Additional property features include a whole-home water softener, transferable termite bond, and an active flood insurance policy with a current annual premium of $1,201, subject to buyer verification and insurer approval. Whether you're searching for a primary residence in Surf City, a coastal retreat near Topsail Island, or a spacious townhome with an elevator and marsh views, this property offers an exceptional opportunity to enjoy life along the North Carolina coast. Schedule your private showing today and experience everything this Surf City townhome has to offer. Ask about preferred lender information and any available buyer incentives for which you may qualify. Some photos may have been staged with AI.

204 N Boca Bay Ln Unit B, Surf City
811 S Shore Dr, Surf City
$990,000
5 Beds ⋅ 4 Baths ⋅ 100612700 MLS
Ocean Views and Private Deeded Beach Access on Surf City's Golden Mile! Homes like this rarely come to market on Surf City's coveted "Golden Mile." 811-A S. Shore Drive is a second-row half duplex with sweeping ocean views and private deeded beach access just 50 feet from the door. It also looks out over the sound and Intracoastal Waterway, so you get sunrise over the Atlantic and sunset over the marsh from the same home. The layout is designed around the water. The main living level has vaulted ceilings, walls of windows, and an open flow from the kitchen to the dining and living areas, which makes it easy to entertain while taking in the view. The top-floor bedroom is the standout, with a wall of windows framing the ocean and its own private bath. Altogether, the home offers 5 bedrooms, 4 full baths, and 2,360 square feet, including a primary suite with a private balcony and walk-in closet. Large front and back decks extend the living space outdoors, and an outdoor shower and ample parking make beach days easy. A metal roof, municipal utilities, and no HOA keep ownership simple. The home is offered fully furnished, with rental history available. It's ready to enjoy from day one as a primary residence, a second home, or an established investment on one of Topsail Island's most desirable stretches of beach.

811 S Shore Dr, Surf City
1017 1st St, Surf City
$879,000
4 Beds ⋅ 2 Baths ⋅ 100612063 MLS
Discover the perfect coastal retreat with this remarkable deep-water canal-front property, complete with a private boat ramp and dock! Offered fully furnished and truly turnkey, this home is ready for you to start enjoying the waterfront lifestyle from day one. The inviting open-concept living area and kitchen feature stainless steel appliances and a seamless flow throughout the home. From the sound-side entrance, the layout leads naturally through the kitchen and living space, down a hallway with a convenient washer and dryer, and into four bedrooms and two full bathrooms. Take in stunning canal views from the comfort of the interior or relax on the covered porch and enjoy the coastal breeze. Thoughtful exterior features include low-maintenance vinyl porch railings and steps, gutters, and an exterior lift providing convenient access to the porch for groceries, heavy items, and more. With ample parking beneath the home and in the driveway, there is plenty of room for multiple vehicles, boats, and jet skis. Ideally located within a short walk of a convenience store, entertainment and game venues, City Park, and beach access, this property offers the perfect blend of waterfront living, convenience, and coastal fun. Whether you're searching for a personal beach getaway, a waterfront retreat, or a turnkey property to enjoy with family and friends, this canal-front gem is ready to welcome you!

1017 1st St, Surf City
512 Edgewater Way, Surf City
$599,000
5 Beds ⋅ 3 Baths ⋅ 100610843 MLS
Welcome to 512 Edgewater Way, where modern sophistication, thoughtful design, & effortless coastal living come together in the highly desirable Waterside community of Surf City, North Carolina. Located on the protected mainland just one mile from the pristine beaches of Topsail Island, this exceptional, 5-bedroom home pairs luxury finishes & advanced smart-home technology with peaceful waterfront views. The island is a short walk or ride away via the scenic pedestrian walkway across the Surf City bridge. Step through the 10-foot front door into a light-filled foyer that opens to an elegant formal dining room with floor-to-ceiling built-in cabinetry. The versatile room can also serve as a home office, library, or flex space. At the heart of the home, the open-concept kitchen features expansive quartz countertops, an oversized island, abundant cabinetry, a spacious walk-in pantry, & smart appliances that can be monitored and controlled from your phone. The adjoining great room offers high ceilings, a gas fireplace, & natural light from oversized windows and glass doors. Enjoy views of the private backyard & tranquil pond beyond--an inviting backdrop for everyday living and entertaining. The main level also includes a generously sized guest bedroom with a California closet and full bathroom, ideal for visitors who prefer to avoid stairs. A thoughtfully designed drop zone connects the home to the attached two-car garage, upgraded with durable epoxy flooring & generous storage. The garage refrigerator & deep freezer convey. There is also additional storage in the spacious closet beneath the staircase. Upstairs, the impressive primary suite is a private retreat with an expansive bedroom, elegant tray ceilings, & a luxurious ensuite. Unwind in the soaking tub, enjoy the beautifully tiled glass-enclosed shower, or make use of the dual-sink vanity. Beyond the bathroom is an extraordinary custom walk-in closet, designed for organization and complete with a large safe that conveys. Three additional bedrooms, each with its own closet-including one exceptionally large room-a third full bathroom, & a conveniently located laundry room complete the second floor. An extensive Google Nest & Ring-connected security & automation system adds convenience & peace of mind. Features include cameras, remote door-lock capabilities, two-way communication, door & window sensors with real-time notifications, & monitored backyard gates. Integrated smoke alarms & water-leak detection sensors monitor vulnerable areas including the attic, HVAC equipment, & laundry room. The home has 24 sensors in total. Even the elevated foyer window has automated blinds that open & close electronically. Additional upgrades include a whole-home reverse-osmosis water filtration system & a gas-powered Generac whole-home generator that activates automatically during a power outage-an invaluable feature for coastal living. Outside, a spacious covered & screened porch is perfect for morning coffee, outdoor dining, or unwinding after a day at the beach. The concrete patio features a stone curtained electric fire pit for evenings under the stars. With no rear neighbors, the property offers a rare sense of privacy & uninterrupted natural scenery. The fully fenced backyard has wooden privacy fencing along both sides & attractive black aluminum fencing with a gate along the rear, preserving the water views while providing convenient access toward the pond. An irrigation system simplifies lawn maintenance. Waterside residents enjoy resort-inspired amenities, including a beautifully appointed clubhouse, fitness center, resort-style swimming pool, tennis & pickleball courts, sand volleyball court, playground, & scenic walking trails. Enjoy the best of both worlds: the convenience & comfort of mainland living with the laid-back luxury of Topsail Island just minutes away. Spend mornings strolling the beach, afternoons enjoying neighborhood amenities, & evenings relaxing beside the fire.

512 Edgewater Way, Surf City
105 N Oak Dr, Surf City
$763,000
3 Beds ⋅ 3 Baths ⋅ 100610622 MLS
Tucked away in the quiet community of Island Oaks, one of Topsail Island's nicest neighborhoods, 105 N Oak Dr offers the coastal lifestyle you've been dreaming of. Built in 1994 and well cared for, this 3-bedroom, 3-full-bath home is ready for its next chapter, whether as your full-time residence, a weekend escape, or an investment property. Head upstairs to the reverse floor plan, designed to make the most of island living. The open kitchen, dining, and living area is bright and inviting, ideal for gathering after a day on the water. Peekaboo views of the sound add a touch of coastal magic to your morning coffee and evening sunsets. The ground floor offers incredible flexibility with a separate office and kitchenette, about 200 square feet of additional finished space. Use it as a guest suite, home office, hobby room, or rental-friendly retreat. The possibilities are endless! Rinse off the sand at the outdoor shower, then store your boards, bikes, and boat gear in the spacious two-car garage. Boaters will love the private community amenities, including a gazebo, dock, and boat ramp. Bring your boat and enjoy easy access to the sound, with the ocean just minutes away. Set in a peaceful neighborhood yet close to Surf City's shops, restaurants, and beaches, this home offers the best of both worlds. Bring your vision and come see what island living is all about! **Selling Furnished with some exceptions, listing agent will provide list upon request**

105 N Oak Dr, Surf City
1305 N Shore Dr, Surf City
$695,000
3 Beds ⋅ 2 Baths ⋅ 100610589 MLS
Soak up the Ocean breeze & views from this Surf City 2nd Row home. 3bedroom, 2full bath open concept home. Perfectly maintained & quality built located only 2 houses away from public beach access #8. Enjoy this home's character & charm with it's custom touches. Being sold fully furnished this property has tons of rental potential or as a coastal getaway either way this is one you don't want to miss! Make your private showing appointment today!

1305 N Shore Dr, Surf City
3029 Outer Banks Dr, Surf City
$384,300
4 Beds ⋅ 3 Baths ⋅ 100610029 MLS
Welcome to Turtle Creek, a new community in the heart of Surf City where coastal living, convenience, and community come together. Just minutes from the beautiful Topsail Island and Surf City beaches, Turtle Creek puts you close to everything you love about the coast--from local restaurants and charming shops to exciting activities for all ages. Take a stroll across the Surf City Bridge, enjoy community events and waterfront gatherings at Soundside Park, or simply relax and soak in the laid-back beach-town lifestyle. At home, residents can enjoy an array of thoughtfully designed amenities, including an open-air clubhouse and community pool, playground, pickleball courts, fire pit, and sidewalks throughout the community. Whether you're looking for a place to make memories, enjoy an active lifestyle, or simply unwind by the coast, Turtle Creek is where you can live, play, and enjoy the best of Surf City--all just minutes from your front door. This 4bed, 3 bath Cattail plan is open throughout. Main level primary bedroom privately tucked towards the rear of the home open concept kitchen, upgraded granite countertops, stainless steel appliances, white shaker cabinets with soft close doors & hardware. The owner's suite is complete with a walk-in closet and ensuite bathroom with dual vanity and a large tiled walk-in shower. This home also features the Loft and Covered Porch options. perfect for relaxing, grilling out, and enjoying that coastal breeze.

3029 Outer Banks Dr, Surf City
1123 S Topsail Dr, Surf City
$700,000
3 Beds ⋅ 2 Baths ⋅ 100608987 MLS
Coastal living, vacation getaway, and investment opportunity all in one! This fully furnished 3-bedroom, 2-bath beach home is ideally located just 1 mile from the Surf City Bridge and within walking distance of Public Beach Access 24. The open first-floor layout features a convenient first-floor primary bedroom, durable LVP flooring, and fresh interior paint throughout. Enjoy the coastal lifestyle from both the front and back decks, perfect for relaxing in the ocean breeze. Numerous updates provide added peace of mind, including new support joists, new siding, new windows, new decks, and a new hot water heater, plus a newer roof and HVAC system serviced annually. Minutes from Surf City restaurants, entertainment, and a public park with dock access. Offered fully furnished, this property is ready to enjoy as a primary residence, second home, beach getaway, or potential rental investment. Bring your beach gear and start enjoying the coast!

1123 S Topsail Dr, Surf City
407 Loggerhead Blvd, Surf City
$376,346
3 Beds ⋅ 2 Baths ⋅ 100608912 MLS
Welcome to Turtle Creek, a new community in the heart of Surf City where coastal living, convenience, and community come together. Just minutes from the beautiful Topsail Island and Surf City beaches, Turtle Creek puts you close to everything you love about the coast--from local restaurants and charming shops to exciting activities for all ages. Take a stroll across the Surf City Bridge, enjoy community events and waterfront gatherings at Soundside Park, or simply relax and soak in the laid-back beach-town lifestyle. At home, residents can enjoy an array of thoughtfully designed amenities, including an open-air clubhouse and community pool, playground, pickleball courts, fire pit, and sidewalks throughout the community. Whether you're looking for a place to make memories, enjoy an active lifestyle, or simply unwind by the coast, Turtle Creek is where you can live, play, and enjoy the best of Surf City--all just minutes from your front door. This 3bd 2bath Pebble offers 9' ceilings throughout and the large main living area features an open concept kitchen, upgraded granite countertops, stainless steel appliances, white shaker cabinets with soft close doors & hardware, as well as pendant lights over the kitchen island and a tile backsplash in the kitchen. The owner's suite is complete with an oversized walk-in closet and ensuite bathroom with dual vanity and a large tiled walk-in shower. This home also features an upgraded trim package, LVP flooring throughout, and an oversized Covered Porch w/ extended patio, perfect for relaxing, grilling out, and enjoying that coastal breeze.

407 Loggerhead Blvd, Surf City
1143 S Topsail Dr, Surf City
$775,000
3 Beds ⋅ 3 Baths ⋅ 100608510 MLS
Nestled within graceful live oak trees, this home provides a relaxed coastal hideaway feel, then takes your breath away with panoramic, unobstructed views of the sound, marsh, and ICW. Every hour brings a new backdrop across the water, from soft sunrise hues to exceptional glowing sunset reflections. Two levels of outdoor spaces create multiple areas for year-round enjoyment, including a covered wrap around deck, sunny upper deck, and a large, screened porch that feels like an outdoor living room. Coastal breezes, sunshine, and shade are always within reach, and the extensive outdoor areas make the home feel remarkably spacious for relaxing or gathering. This house is in a prime location just about a mile from downtown Surf City and the big bridge so you can walk, bike, or ride on the nearby quiet beach road to restaurants, shopping, and entertainment. Inside, the home is bright, open, and designed to bring the outdoors in, with a thoughtfully decorated coastal interior that feels warm and inviting. Natural light pours through three sliding doors in the living room, framing the sound like a moving piece of art. Ocean views from the open floorplan, kitchen and screened porch create a rare dual-view experience. Recent upgrades include new sliding doors and exterior paint in 2025, new roof and floors in 2019, a new kitchen window in 2025, and a new front door in 2026. Bathrooms were remodeled in 2020. The kitchen features granite countertops and newer appliances. Three bedrooms provide comfortable sleeping spaces, with two including full private bathrooms while the third has easy access to a half bath. Set back from the main road, the home feels private and peaceful, with a backyard surrounded by trees and ample parking in the carport and driveway. The backyard offers a comfortable outdoor area for relaxing, play, or pets. The large outdoor shower and covered main entrance add to the coastal lifestyle. Beach access (in Horse Hammock Beach area) is quick and easy via the alley directly across the street leading to South Shore Drive. With no public parking lot at this access, the beach stays quieter and more relaxed. This home also offers a strong rental history, making it an excellent opportunity for both personal use and investment. Turn-key and sold fully furnished with a one-year home warranty that buyer can extend as desired.

1143 S Topsail Dr, Surf City
1720 N New River Dr, Surf City
$925,000
5 Beds ⋅ 4 Baths ⋅ 100607289 MLS
Welcome to ''Surf City Oasis''which brought in 100K gross rental income for 2026. Guests leave wonderful reviews recognizing the recently remodeled features (look for list of upgrades in documents) comes fully furnished, and is truly a turn key investment. Floorplan features 2 bedrooms and 2 full baths on the 2nd floor with spacious family room/dining combo, kitchen features hard surface counters and soft close cabinetry. The stair case leads down to the ground floor living area with 3 bedrooms and full bath, efficiency kitchen area, and you have the option of renting it separtely as short term or long term,or keep that floor for yourself. Use the dedicated beach access easement to go to the beach, or canal. Fully fenced in backyard offers tiki bar/gazebo with hot tub, firepit, and plenty of room for your furry friends. Short walk to the beach or canal, shopping or restaurants dont let this one slip away.

1720 N New River Dr, Surf City
425 Edgewater Way, Surf City
$499,900
3 Beds ⋅ 2 Baths ⋅ 100606306 MLS
Light, bright and surprisingly spacious, this beautifully maintained 2022 home in Waterside offers 1,759 sq. ft. of thoughtfully designed single-level living that feels much larger than its footprint. The open great room features 10-foot walls, a stone surround fireplace and a three-panel sliding glass door opening to an expansive 26-foot-wide patio, creating an exceptional indoor-outdoor living space. The well-appointed kitchen features a large granite island, generous counter space, white shaker cabinetry, subway tile backsplash and walk-in pantry. A separate laundry/mudroom conveniently connects the kitchen and two-car garage, with a built-in bench, hooks and shelving providing a practical drop zone. The spacious primary suite is filled with natural light from three large windows spanning the bedroom, and features a tray ceiling, large walk-in closet and ensuite bath with dual vanity, separate shower and Roman tub. The foyer also features a tray ceiling, while a secondary bedroom offers a vaulted ceiling. LVP flooring throughout and the home's open, airy design create a clean, cohesive feel, while the thoughtful floor plan makes excellent use of every square foot. Waterside offers resort-style amenities including a pool, playground, fitness center, sidewalks, ponds, walking trails, sand volleyball, basketball and tennis courts. All this in desirable Surf City, close to the beach, Intracoastal Waterway, dining, shopping and recreation. Move-in ready and exceptionally well maintained, this home offers the ease of newer construction with the space, comfort and coastal lifestyle you've been looking for.

425 Edgewater Way, Surf City
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