$959,000
3 bd · 2 ba · 2,288 sq ft
1041 1st Street
Surf City, NC, 28445 · Old Settlers Beach
Listed 94 days ago
Listed by Ward Realty Corp
3D tour
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
Facts
- Type
- Single Family Residence
- Year built
- 1993
- Lot
- 0.15 acres
- Community
- Old Settlers Beach
- County
- Onslow
- MLS #
- 100583279
Features
Inside
- Ceiling Fan(s)
- Furnished
- Built-In Microwave
- Refrigerator
- Electric Range
Outside
- Boat Dock
- Bulkhead
- Water Depth 4+
- Canal
Parking
- Gravel
Heating & cooling
- Heat Pump
- Electric
Schools
- Elementary
- Coastal Elementary
- Middle
- Dixon
- High
- Dixon
As listed in the MLS (Onslow). School assignments can change — confirm with the district for this address.
Monthly payment estimate
$6,303/mo
- Principal & interest (30-yr fixed)$5,713
- Property taxes (2025 bill)$590
Estimate only. Rate is the national 30-year average (6.95% as of Sep 17, 2026, Freddie Mac); your rate depends on your lender. Homeowners and flood insurance aren't included — on the coast they vary a lot by house, so get a quote early.
Recent sales like this in Old Settlers Beach
| Home | Sold | Bd / Ba | Sq ft | Price | $ / sq ft |
|---|---|---|---|---|---|
| 3083 3rd Street, Surf City | May 26, 2026 | 3 / 2 | 2,520 | $1,200,000 | $476 |
| 9035 9th Street, Surf City | Jan 27, 2026 | 4 / 4 | 2,474 | $1,030,000 | $416 |
| 4061 4th Street, Surf City | Oct 20, 2025 | 4 / 3 | 2,388 | $1,292,500 | $541 |
Similar size and type, sold in the last 12 months. From Hive MLS records; deemed reliable, not guaranteed.
Buying in Surf City? Local guides
- One-Story and Primary-on-Main Homes on the Southeastern NC CoastWhere the one-level homes are from Wilmington to Calabash, what they cost town by town, and what to check before you buy — from current MLS listings.
About 1041 1st Street
1041 1st Street is a 3-bedroom, 2-bath home of about 2,288 square feet, built in 1993 in Old Settlers Beach, Surf City, Onslow County, NC 28445.
At $959,000, it's 37% above the median asking price ($700,000) of the 27 other 3-bedroom listings for sale in Surf City today.
That's about $419 per square foot, compared with a Surf City median of $449.
17 other homes are for sale in Old Settlers Beach right now (median asking $899,000); 31 homes sold there in the last 12 months at a median of $689,000, typically in about 66 days.
Across ZIP 28445, 402 3-bedroom homes sold in the past year at a median of $323,000.
It has been on the market for 95 days.
Old Settlers Beach neighborhood guideHomes for sale in Surf CityOnslow County homesWaterfront homes in Surf City
Buying 1041 1st Street
- See it in person. Pick a time and we'll call to confirm — often same day.
- Talk numbers. Tell us what you'd like to offer. It's non-binding — a licensed agent calls you before anything is written.
- Have a home to sell first? Our guaranteed sale lets you buy with a firm plan for your current home. How it works
Own a home near 1041 1st Street? See what it's worth — every online estimate side by side, next to real sales in Old Settlers Beach.
What's my home worth? →Questions about 1041 1st Street
How much is 1041 1st Street?
1041 1st Street is listed at $959,000 (about $419 per square foot) as of September 23, 2026. Status: for sale.
How many bedrooms and bathrooms does 1041 1st Street have?
3 bedrooms and 2 bathrooms, with about 2,288 square feet.
What neighborhood is 1041 1st Street in?
Old Settlers Beach, in Surf City, Onslow County, North Carolina.
How long has 1041 1st Street been on the market?
95 days. Homes in Old Settlers Beach sold after a median of 66 days over the past year.
What have homes sold for in Old Settlers Beach?
31 homes sold in Old Settlers Beach in the last 12 months, at a median price of $689,000.
Is 1041 1st Street waterfront?
Yes — the MLS lists it as a waterfront property.
When was 1041 1st Street built?
1993.
Who is the listing broker for 1041 1st Street?
Ward Realty Corp (MLS #100583279). The Buddy Blake Team can show it to you and answer questions.
Can I tour 1041 1st Street?
Yes. Tap “Schedule a tour,” pick a time, and we'll call to confirm — or call or text (910) 395-1000.