$729,000

3 bd · 3 ba · 1,762 sq ft

4074 4th Street

Surf City, NC, 28445 · Old Settlers Beach

Listed 19 days ago

Hive MLSListed by Coastal Realty Associates LLC

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 on the ocean 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 takes advantage of the canal views 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 place to relax near the water, while the utility room and large storage areas provide room for beach gear, fishing equipment, bikes, tools and boating supplies. A ground-level bathroom is especially convenient when coming in from the boat, beach or spending the day outside. From the backyard, you're just 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. The home is elevated on pilings with a metal roof and sits on a 55' x 140' canal-front lot with no HOA. There's also an opportunity to personalize the home and waterfront areas over time to fit your own vision of coastal living. Whether you're searching for a primary residence, second home or coastal getaway, 4074 4th Street offers a combination that defines Topsail Island living: the beach within walking distance, your boat in your backyard, canal-front living and no HOA.

Facts

Type
Single Family Residence
Year built
1986
Lot
0.18 acres
Community
Old Settlers Beach
County
Onslow
MLS #
100601423

Features

Inside

  • Blinds/Shades
  • LVT/LVP
  • Carpet
  • Tile
  • Built-In Microwave
  • Refrigerator
  • Dishwasher

Outside

  • Boat Slip
  • Boat Dock
  • Boat Lift
  • Bulkhead
  • Navigable Water
  • Canal

Parking

  • Off Street

Heating & cooling

  • Electric
  • Heat Pump
  • 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

$4,957/mo

  • Principal & interest (30-yr fixed)$4,343
  • Property taxes (2026 bill)$614

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

HomeSoldBd / BaSq ftPrice$ / sq ft
2016 N New River Drive, Surf CityAug 18, 20264 / 21,598$640,000$401
4059 4th Street, Surf CityJul 23, 20264 / 31,632$1,200,000$735
6114 6th Street, Surf CityMay 14, 20263 / 21,660$838,500$505
2005 N Shore Drive, Surf CityFeb 4, 20263 / 31,698$800,000$471

Similar size and type, sold in the last 12 months. From Hive MLS records; deemed reliable, not guaranteed.

Buying in Surf City? Local guides

About 4074 4th Street

4074 4th Street is a 3-bedroom, 3-bath home of about 1,762 square feet, built in 1986 in Old Settlers Beach, Surf City, Onslow County, NC 28445.

At $729,000, it's 4% above the median asking price ($700,000) of the 27 other 3-bedroom listings for sale in Surf City today.

That's about $414 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 $940,000); 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 19 days.

Buying 4074 4th Street

  1. See it in person. Pick a time and we'll call to confirm — often same day.
  2. Talk numbers. Tell us what you'd like to offer. It's non-binding — a licensed agent calls you before anything is written.
  3. Have a home to sell first? Our guaranteed sale lets you buy with a firm plan for your current home. How it works

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Questions about 4074 4th Street

How much is 4074 4th Street?

4074 4th Street is listed at $729,000 (about $414 per square foot) as of September 23, 2026. Status: for sale.

How many bedrooms and bathrooms does 4074 4th Street have?

3 bedrooms and 3 bathrooms, with about 1,762 square feet.

What neighborhood is 4074 4th Street in?

Old Settlers Beach, in Surf City, Onslow County, North Carolina.

How long has 4074 4th Street been on the market?

19 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 4074 4th Street waterfront?

Yes — the MLS lists it as a waterfront property.

When was 4074 4th Street built?

1986.

Who is the listing broker for 4074 4th Street?

Coastal Realty Associates LLC (MLS #100601423). The Buddy Blake Team can show it to you and answer questions.

Can I tour 4074 4th Street?

Yes. Tap “Schedule a tour,” pick a time, and we'll call to confirm — or call or text (910) 395-1000.

Listing provided by Coastal Realty Associates LLC via Hive MLS.