Single Family Residence at 1041 1st Street, Surf City, NC 28445
Single Family Residence at 1041 1st Street, Surf City, NC 28445, photo 2 of 3
Single Family Residence at 1041 1st Street, Surf City, NC 28445, photo 3 of 3
3 photos

$959,000

1041 1st Street, Surf City, NC 28445
Surf City, NC 28445
Listed by Glynda Bradshaw · Ward Realty Corp
Bedrooms
3
Bathrooms
2
Living area
2,288 sqft
Year built
1993

About this home

--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

Highlights

Waterfront

Property details

MLS
Hive MLS
MLS #
100583279
Property type
Single Family Residence
Subdivision
Old Settlers Beach
Status
Active
Days on market
120
On market date
June 20, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.15 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.

Elementary
Dixon Elementary
9.03 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
8.3 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
9.91 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

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$5,925/mo
$191,800 down
$767,200 loan
Principal & interest$4,976
Property tax (est.)$799
Home insurance (est.)$150

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Data source: Listing information provided by Hive MLS via Trestle/CoreLogic. Last updated September 2, 2026.

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.