$865,000
5 bd · 4 ba · 2,336 sq ft
4069 4th Street
Surf City, NC, 28445 · Old Settlers Beach
Listed by Intracoastal Realty Corporation
About this home
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.
Facts
- Type
- Single Family Residence
- Year built
- 1986
- Lot
- 0.18 acres
- Garage
- 2 spaces
- Community
- Old Settlers Beach
- County
- Onslow
- MLS #
- 100604496
Features
Inside
- Walk-in Closet(s)
- Vaulted Ceiling(s)
- Solid Surface
- Ceiling Fan(s)
- Walk-in Shower
- Blinds/Shades
- Eat-in Kitchen
- Walk-In Closet(s)
- LVT/LVP
- Carpet
- Vinyl
- Electric Oven
- Built-In Microwave
Outside
- Outdoor Shower
- Other
- Boat Slip
- Boat Lift
- Bulkhead
- Pier
- Water Depth 4+
- Canal
- Sound
- Water
Community
- None
Parking
- Garage Faces Front
- Concrete
- Garage Door Opener
- Paved
Heating & cooling
- Heat Pump
- Electric
- Central Air
Schools
- Elementary
- Dixon
- Middle
- Dixon
- High
- Dixon
As listed in the MLS (Onslow). School assignments can change — confirm with the district for this address.
Monthly payment estimate
$6,090/mo
- Principal & interest (30-yr fixed)$5,153
- Property taxes (2026 bill)$937
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 4069 4th Street
4069 4th Street is a 5-bedroom, 4-bath home of about 2,336 square feet, built in 1986 in Old Settlers Beach, Surf City, Onslow County, NC 28445.
At $865,000, it's 29% below the median asking price ($1,224,500) of the 12 other 5-bedroom listings for sale in Surf City today.
That's about $370 per square foot, compared with a Surf City median of $445.
18 other homes are for sale in Old Settlers Beach right now (median asking $919,500); 31 homes sold there in the last 12 months at a median of $689,000, typically in about 66 days.
Across ZIP 28445, 32 5-bedroom homes sold in the past year at a median of $751,250.
Old Settlers Beach neighborhood guideHomes for sale in Surf CityOnslow County homesWaterfront homes in Surf City
Buying 4069 4th 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 4069 4th 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 4069 4th Street
How much is 4069 4th Street?
4069 4th Street is listed at $865,000 (about $370 per square foot) as of September 23, 2026. Status: active under contract.
How many bedrooms and bathrooms does 4069 4th Street have?
5 bedrooms and 4 bathrooms, with about 2,336 square feet.
What neighborhood is 4069 4th Street in?
Old Settlers Beach, in Surf City, Onslow County, North Carolina.
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 4069 4th Street waterfront?
Yes — the MLS lists it as a waterfront property.
When was 4069 4th Street built?
1986.
Who is the listing broker for 4069 4th Street?
Intracoastal Realty Corporation (MLS #100604496). The Buddy Blake Team can show it to you and answer questions.
Can I tour 4069 4th Street?
Yes. Tap “Schedule a tour,” pick a time, and we'll call to confirm — or call or text (910) 395-1000.