Single Family Residence at 4074 4th Street, Surf City, NC 28445, Surf City
1 photo

$699,000

4074 4th Street, Surf City, NC 28445
Surf City, NC 28445
Listed by Hugh A Cannady · Coastal Realty Associates LLC
Bedrooms
3
Bathrooms
3
Living area
1,762 sqft
Year built
1986

About this home

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 at the beach 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 overlooks the canal 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 spot near the water, while the utility room and large storage areas provide plenty of room for beach gear, fishing equipment, bikes, tools and boating supplies. A ground-level bathroom is especially convenient when coming in from the boat or beach. Step outside and you're just a few 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. Whether you're searching for a primary residence, second home or coastal getaway, 4074 4th Street brings together what makes Surf City waterfront living so appealing: the Atlantic Ocean within walking distance, approximately 55 feet of canal frontage, your boat in the backyard, generous storage and no HOA.

Highlights

Waterfront

Property details

MLS #
100601423
Property type
Single Family Residence
Subdivision
Old Settlers Beach
Status
Active
Days on market
36
On market date
September 4, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.18 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
Dixon Elementary
8.77 mi away · Grades -1-5
Zoned school (attendance boundary, 2015-16 data)
3.0
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: C (2025)
Enrollment
648
Student:teacher ratio
17.1:1
District
Onslow County Schools
Middle
Dixon Middle
8.05 mi away · Grades 6-8
Zoned school (attendance boundary, 2015-16 data)
3.0
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: C (2025)
Enrollment
934
Student:teacher ratio
18.0:1
District
Onslow County Schools
High
Dixon High
9.65 mi away · Grades 9-12
Zoned school (attendance boundary, 2015-16 data)
3.4
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
1,028
Student:teacher ratio
19.4:1
District
Onslow County Schools

Walkability

Blended score for Surf City's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

15
Very car-dependent
out of 100
EPA National Walkability Index
4.8 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Mortgage calculator

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Est. monthly payment
$4,359/mo
$139,800 down
$559,200 loan
Principal & interest$3,627
Property tax (est.)$583
Home insurance (est.)$150

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Data source: Listing information provided by Hive MLS via Trestle/CoreLogic. Last updated 2 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.