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Surf City Real Estate

Surf city is located partly on the mainland right behind Topsail Island, but also has a span on Topsail Island that has access to the Intracoastal waterway and Atlantic Ocean. The town sits about 10 minutes north of Hampstead in Pender County and has great access to waterways and beaches.

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Local buyer insights on living in Surf City, NC
  • Surf City is a coastal town located on Topsail Island spanning Pender and Onslow counties.
  • The area is known for its beautiful beaches, relaxed coastal vibe, and family-friendly atmosphere.
  • Many buyers are drawn to Surf City for oceanfront living, boating access, and proximity to Wilmington and Jacksonville.
  • The town includes a mix of oceanfront homes, canal properties, beach cottages, and newer residential communities.
  • Residents enjoy activities such as fishing, boating, surfing, kayaking, and beach recreation.
  • Popular attractions include the Surf City Pier, waterfront parks, and local dining along the Intracoastal Waterway.
  • Surf City is popular with primary residents, second-home buyers, and vacation rental investors.
  • Because Surf City is a barrier island community, buyers should review flood zones, insurance requirements, and coastal regulations during due diligence.

**It is important to verify flood zones, insurance costs, HOA rules if applicable, and rental regulations during the due diligence process.**

Market snapshot in Surf City, NC
  • Surf City offers a variety of coastal homes including oceanfront properties, canal homes, beach cottages, and condominiums.
  • Home values often vary depending on proximity to the ocean, water access, views, and rental potential.
  • The area has a strong vacation rental market due to its popularity along the North Carolina coast.
  • Many buyers searching Surf City also consider nearby areas such as Topsail Beach, North Topsail Beach, and Hampstead.
  • Inventory may fluctuate depending on seasonal demand and coastal market trends.
FAQs about Living in Surf City, NC
  • Where is Surf City located?
    Surf City is located on Topsail Island in both Pender and Onslow counties in coastal North Carolina.
  • Is Surf City a good place to live?
    Many residents enjoy Surf City for its beach lifestyle, outdoor activities, and relaxed coastal atmosphere.
  • What types of homes are available in Surf City?
    The area includes oceanfront homes, canal properties, beach cottages, townhomes, and condominiums.
  • Is Surf City good for vacation rentals?
    Yes, Surf City is a popular destination for vacation rentals due to its beaches and tourism.
  • How far is Surf City from Wilmington?
    Wilmington is typically about a 35 to 45 minute drive depending on traffic.
  • How far is Surf City from Jacksonville, NC?
    Jacksonville is typically about a 35 to 45 minute drive depending on traffic.
  • Is Surf City crowded?
    Surf City can be busier during the summer season but generally maintains a more relaxed atmosphere compared to larger beach destinations.
  • Are there boating opportunities in Surf City?
    Yes, residents enjoy boating, fishing, and water activities along the Intracoastal Waterway and Atlantic Ocean.
  • Is Surf City good for retirees?
    Yes, many retirees choose Surf City for its coastal setting and lifestyle.
  • What should buyers consider before purchasing in Surf City?
    Buyers should review flood zones, insurance requirements, rental regulations, and coastal construction rules during due diligence.

Surf City on Topsail Island has an incredible pier which is great for fishing, sightseeing, and sunsets. Outdoor enthusiast in this town, take part in multiple outdoor activities, such as kayaking, paddle boarding, surfing, boating, fishing, and beach-combing.

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Browse All Surf City NC Properties for Sale

$624,900
3 Beds ⋅ 3 Baths ⋅ 100550510 MLS
INTEREST RATE BUY DOWN Paid by the Seller; see flyer for details. Egret Landing Coastal Retreat with Ocean Views and ICWW Access and Dock. Located in the highly regarded **Topsail-Surf City School District**, this beautifully designed **3-bedroom, 2.5-bath home with a versatile bonus room** offers the perfect blend of comfort, coastal charm, and everyday functionality. With **three ocean-view decks**--including a stunning **crow's nest with miles of panoramic views**--this home delivers the beach lifestyle so many buyers are seeking. 1st Floor - Ideal for Guests or Family** - Two bright, comfortable bedrooms - Full bathroom - Full-size laundry room - Multiple storage closets for beach chairs, fishing gear, paddle boards, and more 2nd Floor - Open Coastal Living** - Spacious living area filled with natural light - Kitchen and dining area designed for gatherings - Convenient half bath - Easy access to outdoor decks for morning coffee or evening sunsets 3rd Floor - Private Master Retreat** - Entire level dedicated to the primary suite - Large master bedroom with ocean views - Walk-in closet - Generous master bath - Private sitting room perfect for a home office, reading nook, or optional **4th bedroom** **Outdoor & Lifestyle Amenities** - **Three decks** offering ocean breezes and sweeping views - **Crow's nest** with unmatched sightlines across the coastline - Community **dock access** for kayaking, paddle boarding, and exploring the waterways - Plenty of storage for all your coastal adventure gear This Egret Landing home is more than a property--it's a lifestyle. Whether you're seeking a full-time residence or a coastal getaway, the combination of views, space, and community amenities makes this one stand out.

106 Egret Landing Ct Unit A, Surf City
$399,900
100549990 MLS
WATER FRONT-Buildable Lot with Water Access to the ICWW.

1211 N New River Dr, Surf City
$515,000
100547492 MLS
Lot 40 in Surf City's premier Accolade community presents a rare opportunity to build your custom coastal home in one of Topsail Island's most exclusive neighborhoods. This elevated homesite offers views of both the Atlantic Ocean and the Intracoastal Waterway, with quick and convenient access to Surf City's pristine beaches—all within Accolade's thoughtfully designed, master-planned setting. Located in an X flood zone, the lot sits high and allows for full ground-level living space and bathrooms, with no required flood insurance, providing added flexibility and long-term savings. Designed for luxury coastal living, Accolade features resort-style amenities including a private community pool with waterfall, tanning ledge, and in-water seating, as well as an open-air cabana with restrooms, outdoor kitchen, grill, refrigerator, ice machine, and a cozy double-sided fireplace. Scenic walking paths, lush landscaping, and mature live oaks create a serene yet connected environment. Just minutes from downtown Surf City, residents enjoy easy access to boutique shopping, waterfront dining, and endless coastal recreation.

70 Peregrine Ct, Surf City
$1,350,000
5 Beds ⋅ 6 Baths ⋅ 100547126 MLS
WATER ACCESS! LOCATION! DOUBLE POTENTIAL INCOMING PRODUCING! FULLY FURNISHED! EASY TO SHOW! Located in the sought-after Pirates Cove community in Surf City on Topsail Island, this expansive coastal retreat doesn't just whisper opportunity, it delivers it with space, flexibility, and undeniable charm. Spanning over 3,500 square feet, this impressive 5-bedroom, 6-full-bath beach home is thoughtfully designed for versatility and comfort. Featuring two full kitchens, two living rooms, and two primary suites with attached bathrooms, the layout is perfectly suited for easy conversion into a duplex, multigenerational living, or a high-performing vacation rental setup. An elevator provides effortless access between levels, while multiple screened-in porches invite you to slow down and savor the coastal breeze. Cozy up beside one of two fireplaces, or step outside to enjoy the pergola-covered outdoor space, ideal for entertaining or relaxing after a day on the water. Situated on a corner lot with mature trees, the home offers added privacy and a true coastal neighborhood feel. The rare convenience of four garages spaces and two separate driveways provides ample parking for guests, boats, and beach gear. Located within a water-access community with a boat ramp, you're just minutes from the beach, dining, and local favorites. Best of all, this home is being sold furnished, excluding a few personal items, making it a seamless transition whether you're looking for a primary residence, second home, or investment property. Versatile. Spacious. Exceptionally located. This is more than a beach house, it's a coastal lifestyle investment with room to gather, generate, and grow. 🌊⚓. THIS HOME DOES ALLOW SHORT TERM RENTALS!

111 Cutlass Dr, Surf City
$449,900
100544936 MLS
Here is an opportunity to secure a premier conditional zoning mixed-use development site on the main gateway to Topsail Island. This vacant lot sits directly on the Surf City causeway, offering high visibility, steady traffic counts, and unbeatable proximity to the island, beaches, retail, and restaurants.The property is zoned Conditional Zoning-Mixed Use, giving the investor the flexibility for commercial & residential combined development options. A preliminary concept plan has already been submitted and is available for review. Site work including engineering approvals, stormwater design, municipal water & sewer, and all other required permitting would be completed by buyer. Looking to build offices, retail, and residential this is your location.

Tr 1 Tr 1 N Hwy 50, Surf City
$799,900
4 Beds ⋅ 3 Baths ⋅ 100540688 MLS
Where coastal beauty and everyday living come together, this exceptional waterfront home offers panoramic Intracoastal Waterway, marsh, sound, and partial ocean views from four expansive decks designed to capture the best of life on Topsail Island. Enjoy watching boats travel the Intracoastal Waterway while taking in coastal breezes, the distant sound of the surf, and the ever-changing colors of the coastal sky--all from the comfort of home. Just moments from the beach on a quiet, non-through street, this is a place where every day feels like a getaway. Located within a community intentionally reserved for homeowners and second-home residents, rentals of less than six months are not permitted, creating a quieter neighborhood where lasting friendships replace weekly turnover. Launch your kayak or paddleboard from the neighborhood to explore the scenic marsh and sound, with the Intracoastal Waterway just beyond. Enjoy a day at the beach before returning home to relax by the community pool and clubhouse. Thoughtfully designed for comfortable coastal living, the home features an elevator, outdoor shower, and ample storage throughout, including generous closets, attic storage, and two exterior storage rooms. While designated as a townhouse, the thoughtful design offers the privacy, layout, and feel of a detached coastal home, with the neighboring residence connected only by the exterior storage roof--no shared living walls--providing both privacy and the convenience of low-maintenance living.

127 S Boca Bay Ln Unit A, Surf City
$849,000
4 Beds ⋅ 3 Baths ⋅ 100538733 MLS
Seller is offering a $10,000 Use-As-You-Choose credit with an acceptable offer! Apply it toward closing costs, rate buy-down, updates, or personalize the home to fit your needs. Discover relaxed coastal living where breathtaking marsh, Intracoastal Waterway, sound, and partial ocean views become part of your everyday backdrop. Five spacious deck options provide the perfect setting for sunrise coffee, afternoon boat watching, coastal breezes, and unforgettable sunset skies. Located on a quiet, non-through street just a short walk, roll, or stroll to the beach, this home is part of a sought-after community reserved for homeowners and second-home residents, where rentals of less than six months are not permitted. The result is a peaceful neighborhood where neighbors know one another and lasting friendships replace the constant turnover of weekly vacation rentals. Thoughtfully designed for both everyday living and entertaining, the home features an elevator serving every level, a fireplace for cozy evenings, an expanded driveway, fenced yard, outdoor shower, water softener, attic storage, and exterior storage for all your beach gear. The raised backyard creates an inviting outdoor living space, complete with an additional deck that's perfect for relaxing, grilling, or gathering with friends and family. Launch your kayak or paddleboard nearby, cast a line for an afternoon of fishing, or spend the day at the beach before cooling off at the community pool and clubhouse. For boating enthusiasts, the Topsail Island Yacht Club is less than two miles away. The current owners have enjoyed keeping their boat there, making it easy to embrace the boating lifestyle without the maintenance and expense of waterfront ownership. Whether your perfect day includes boating, fishing, shelling, or simply enjoying the ever-changing coastal views, this home offers the lifestyle so many dream about. While designated as a townhouse, the thoughtful design lives like a single-family home. The neighboring residence is connected by the exterior storage roof, with no shared living walls, providing an exceptional sense of privacy along with the convenience of low-maintenance coastal living.

125 S Boca Bay Ln Unit B, Surf City
$399,000
100533891 MLS
Lot 29 in Surf City's premier Accolade community offers a rare opportunity to build your dream beach home in one of Topsail Island's most exclusive neighborhoods. This homesite provides expansive views of the Intracoastal Waterway with quick, convenient access to Topsail Island's beaches, all within the beauty of Accolade's thoughtfully designed master-planned setting. The Town of Surf City has approved a reduction in required setbacks for this homesite -- front setback reduced from 15' to 10' and rear setback reduced from 20' to 15' -- meaningfully expanding the buildable footprint available on this lot. The lot has been cleared and graded, ready for construction to begin. Created for luxury coastal living, the community features resort-style amenities including a private pool with waterfall, tanning ledge, and in-water seating, along with an open-air cabana offering restrooms, an outdoor kitchen, grill, refrigerator, ice machine, and a cozy double-sided fireplace. Scenic walking paths, lush landscaping, and mature live oaks create a peaceful yet connected environment. Just minutes from downtown Surf City, residents can enjoy boutique shopping, waterfront dining, and endless recreation, all supported by available sewer and water connections through the Town of Surf City. A colored site survey illustrating the approved building envelope is available upon request. Seller is motivated.

151 Auger Shell Ct, Surf City
$899,900
100467207 MLS
Presenting a prime piece of land opportunity that is truly a gem in the heart of our bustling coastal town. This 2.92 Acre parcel is perfectly nestled in between a Wal-Mart anchored shopping center and a Publix anchored shopping center in Surf City. Situated at one of the main entrances to Surf City, this center is visited by both locals and tourists, as the Surf City town hall sits directly behind the property. This is one of the prime growing areas of Pender County, NC. According to the North Carolina office of State Budget and Management Pender County is projected to be the second fastest growing county in NC in 2030 at 1.9%. Possibilities are endless for this commercial. The surrounding area provides an abundance of amenities and attractions, small businesses and big businesses. With its close proximity to Publix, one of the most popular grocery chains in the country, your future venture will benefit from a constant flow of foot traffic and the convenience-driven mindset of the community. Whether you dream of establishing a retail store, a restaurant, or even an office space, this property offers the perfect canvas for your business aspirations. Certain uses would requiring zoning change.

Tr 3 Tr 3 E Florence Way, Surf City
$799,999
3 Beds ⋅ 4 Baths ⋅ 100474523 MLS
Live the Coastal Dream in Surf City, NC - Move-In Ready New Construction Townhomes! Have you ever dreamed of owning a piece of paradise? These stunning new construction townhomes in the heart of Surf City, North Carolina, offer the perfect blend of luxury, comfort, and oceanfront charm and are ready for immediate move-in! Each spacious unit features: 3 Bedrooms + 4 Bathrooms, Versatile Office or Flex Space, Private Deeded Beach Access directly across the street. Thoughtfully designed with high-end upgrades, including: Quartz Countertops, Shaker-Style Cabinetry with Soft-Close Drawers, Luxury Vinyl Plank (LVP) Flooring, Stainless Steel Appliances, Elevator for Easy Access, Modern Tile Showers, Outdoor Shower, Oversized Rocking Chair Porch, perfect for relaxing and enjoying coastal breezes. Whether you're looking for a primary residence, second home, or short-term rental investment, these townhomes check every box. With beautiful coastal-inspired finishes and luxurious touches throughout, this is true beachside living at its finest. Incentives available! Seller is offering qualified buyers a rate buydown to as low as 5.99% when financing through the seller's preferred lender, or a $25,000 seller concession at closing, which the buyer may apply toward closing costs, an interest rate buydown, or a combination of both, subject to lender guidelines and buyer qualification. Offer is subject to conditions and restrictions. Seller reserves the right to withdraw or modify this offer at any time. Interest rates are subject to change without notice.

122 Shell Rd, Surf City
$1,065,000
4 Beds ⋅ 4 Baths ⋅ 100529954 MLS
This sound-side waterfront townhome presents an exceptional opportunity to own a well-positioned coastal property with expansive water views and private dock access. This 4-bedroom, 4-bathroom home offers 2,656 square feet of open living space, thoughtfully designed to capture natural light and maximize stunning views from nearly every room and multiple outdoor decks. The private dock with spacious sun deck provides an ideal setting for enjoying sunsets, relaxing by the water, or entertaining. Interior features include 9-foot ceilings, wood flooring, a gas fireplace, and custom built-in cabinetry. The kitchen is equipped with granite countertops, bar seating, stainless steel appliances, pantry, and opens seamlessly into the main living and dining areas. The 2nd level primary suite features extensive water views, private balcony access, a walk-in closet, and recently updated bathroom with a soaking tub, tiled shower, and dual vanity. The 2 additional upstairs bedrooms offers access to their own en-suite bathroom, and the first-floor bedroom/office provides added flexibility. Additional features include custom electric hurricane shutters, an outdoor shower, and access to a waterfront community pool and clubhouse with incredible water views. Located in a cul-de-sac setting and convenient to public beach access, dining, and shopping. No short-term rentals permitted.

208 N Boca Bay Ln Unit A, Surf City
$900,000
100405957 MLS
Presenting a prime commercial land opportunity that is truly a gem in the heart of our bustling coastal town. This .825 Acre parcel is perfectly nestled in between a Wal-Mart anchored shopping center and a Publix anchored shopping center in Surf City. Situated at one of the main entrances to Surf City, this center is visited by both locals and tourists, as the Surf City town hall sits directly behind the property. This is one of the prime growing areas of Pender County, NC. According to the North Carolina office of State Budget and Management Pender County is projected to be the second fastest growing county in NC in 2030 at 1.9%. Possibilities are endless for this commercial. The surrounding area provides an abundance of amenities and attractions, small businesses and big businesses. With its close proximity to Publix, one of the most popular grocery chains in the country, your future venture will benefit from a constant flow of foot traffic and the convenience-driven mindset of the community. Whether you dream of establishing a retail store, a restaurant, or even an office space, this property offers the perfect canvas for your business aspirations. Publix owns the road off of Highway 210 and Highway 50- our stormwater is already built. Our 3 sites share stormwater with Mavis Tire and the pet shop. Seller discloses that DOT has a proposed plan in place to widen Highway 210 that will impact this property.

Tr 7 Tr 7 Nc Hwy, Surf City
$1,250,000
100464365 MLS
Over 30 acres of land on Hwy 210 East to Surf City with 425' of road frontage. Golden opportunity for development and convenient to area beaches and all the new shopping off island in Surf City. One of the last large tracts of land this convenient to everything. Only about 30 minutes from Wilmington or Jacksonville.

Tr 1 Tr 1 Nc Highway 210 Drive E, Surf City
$1,000,000
100405951 MLS
Presenting a prime commercial land opportunity that is truly a gem in the heart of our bustling coastal town. This .97 Acre parcel is perfectly nestled in between a Wal-Mart anchored shopping center and a Publix anchored shopping center in Surf City. Situated at one of the main entrances to Surf City, this center is visited by both locals and tourists, as the Surf City town hall sits directly behind the property. This is one of the prime growing areas of Pender County, NC. According to the North Carolina office of State Budget and Management Pender County is projected to be the second fastest growing county in NC in 2030 at 1.9%. Possibilities are endless for this commercial. The surrounding area provides an abundance of amenities and attractions, small businesses and big businesses. With its close proximity to Publix, one of the most popular grocery chains in the country, your future venture will benefit from a constant flow of foot traffic and the convenience-driven mindset of the community. Whether you dream of establishing a retail store, a restaurant, or even an office space, this property offers the perfect canvas for your business aspirations. Seller discloses that DOT has a proposed plan in place to widen Highway 210 that will impact this property.

Tr 6 Tr 6 Nc Hwy, Surf City
$850,000
100405960 MLS
Presenting a prime commercial land opportunity that is truly a gem in the heart of our bustling coastal town. This .934 Acre parcel is perfectly nestled in between a Wal-Mart anchored shopping center and a Publix anchored shopping center in Surf City. Situated at one of the main entrances to Surf City, this center is visited by both locals and tourists, as the Surf City town hall sits directly behind the property. This is one of the prime growing areas of Pender County, NC. According to the North Carolina office of State Budget and Management Pender County is projected to be the second fastest growing county in NC in 2030 at 1.9%. Possibilities are endless for this commercial. The surrounding area provides an abundance of amenities and attractions, small businesses and big businesses. With its close proximity to Publix, one of the most popular grocery chains in the country, your future venture will benefit from a constant flow of foot traffic and the convenience-driven mindset of the community. Whether you dream of establishing a retail store, a restaurant, or even an office space, this property offers the perfect canvas for your business aspirations. Seller discloses that DOT has a proposed plan in place to widen Highway 210 that will impact this property.

Tr 8 Tr 8 Nc Hwy, Surf City
$1,849,000
5 Beds ⋅ 6 Baths ⋅ 100519024 MLS
Discover unparalleled coastal living in this stunning newly constructed custom built home by Frank Williams Building Company. Perfectly positioned in Surf City, NC just steps to the public beach access, this exceptional property boasts breathtaking views of both the Atlantic Ocean and the Intracoastal Waterway, offering the ideal blend of luxury and comfort. With 5 spacious bedrooms, 6 bathrooms, and over 3,700 square feet of expertly crafted living space, this home is made for both relaxation and entertaining. The thoughtfully designed reverse floor plan maximizes views and natural light, while two owner suites provide flexibility and comfort for multigenerational living or guests. Inside you will find Café appliances in a gourmet kitchen adorned with quartz countertops, complemented by matching quartz finishes in all bathrooms and on demand water heater offering instant hot water at every faucet. High-end finishes include Marvin windows, a private elevator, and closed-cell foam insulation in the attic and garage for enhanced efficiency. This home also boasts a fully finished garage space, perfect for a gym, office, or additional storage. The lush landscaping is complete with zoysia sod, creating a vibrant, low-maintenance outdoor space. While hosting guests or enjoying quiet mornings with coffee, choose one of the four balconies to extend your living space and bring the outdoors in. Whether you're seeking a primary residence, luxury vacation home, or investment opportunity, this Surf City gem delivers coastal elegance in an unbeatable location.

107 Raleigh Ave, Surf City
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