Surf City Homes under $500,000

Welcome to Surf City, North Carolina – a vibrant coastal gem nestled in Pender County! Known for its stunning beaches, charming community, and laid-back lifestyle, Surf City is the perfect destination for those seeking a slice of paradise without breaking the bank.

With its picturesque coastline stretching along the Atlantic Ocean, Surf City offers residents and visitors alike a plethora of outdoor activities. Whether you're looking to catch some waves, soak up the sun on the sandy shores, or enjoy a leisurely stroll along the scenic waterfront, this beach town has it all. The local parks and nature trails provide ample opportunities for hiking, biking, and exploring the natural beauty of the area.

For those considering making Surf City their home, you'll be delighted to know that there are numerous homes available for under $500,000. This range of affordable housing options makes it easier than ever to embrace the coastal lifestyle. From charming beach cottages to modern family homes, the real estate market in Surf City caters to a variety of tastes and preferences. Imagine waking up to the sound of waves crashing and enjoying breathtaking sunsets from your own backyard!

The community spirit in Surf City is palpable, with friendly neighbors and local businesses that create a warm and welcoming atmosphere. With a variety of dining, shopping, and entertainment options, there's always something to do.

Come explore Surf City, where the sun shines bright, the waves are inviting, and your dream home awaits! Dive into the real estate opportunities today and discover why this coastal haven is the perfect place to call home.

Newest Surf City Homes under $500,000

$499,900

3 Beds ⋅ 2 Baths

Light, bright and surprisingly spacious, this beautifully maintained 2022 home in Waterside offers 1,759 sq. ft. of thoughtfully designed single-level living that feels much larger than its footprint. The open great room features 10-foot walls, a stone surround fireplace and a three-panel sliding glass door opening to an expansive 26-foot-wide patio, creating an exceptional indoor-outdoor living space. The well-appointed kitchen features a large granite island, generous counter space, white shaker cabinetry, subway tile backsplash and walk-in pantry. A separate laundry/mudroom conveniently connects the kitchen and two-car garage, with a built-in bench, hooks and shelving providing a practical drop zone. The spacious primary suite is filled with natural light from three large windows spanning the bedroom, and features a tray ceiling, large walk-in closet and ensuite bath with dual vanity, separate shower and Roman tub. The foyer also features a tray ceiling, while a secondary bedroom offers a vaulted ceiling. LVP flooring throughout and the home's open, airy design create a clean, cohesive feel, while the thoughtful floor plan makes excellent use of every square foot. Waterside offers resort-style amenities including a pool, playground, fitness center, sidewalks, ponds, walking trails, sand volleyball, basketball and tennis courts. All this in desirable Surf City, close to the beach, Intracoastal Waterway, dining, shopping and recreation. Move-in ready and exceptionally well maintained, this home offers the ease of newer construction with the space, comfort and coastal lifestyle you've been looking for.

425 Edgewater Way, Surf City

$445,000

3 Beds ⋅ 3 Baths

Welcome to Waterside! This beautifully maintained two-story home offers the perfect combination of comfortable living, community amenities, and coastal convenience--just 2 miles from the beaches of Surf City! Inside, you'll find an open and inviting main level featuring LVP flooring, a spacious kitchen with granite countertops, a large island perfect for gathering, and a huge pantry providing plenty of storage. The main floor also includes a convenient half bath and plenty of living space for entertaining or everyday life. Upstairs, the spacious primary suite offers a large walk-in closet, while two additional bedrooms provide room for family, guests, or a home office. You'll also find a full bathroom, laundry room, and a generous loft area that offers flexible space for a playroom, media area, office, or second living space. Outside, enjoy the privacy of a fenced backyard and the convenience of a two-car garage. But the lifestyle is what truly sets this home apart! Waterside residents enjoy an impressive collection of amenities including a community pool, clubhouse, playground, basketball, volleyball, tennis, and pickleball courts. Plus, this golf-cart-friendly community makes it easy to enjoy the neighborhood and make your way toward the coast. Located just minutes from Surf City beaches, restaurants, shopping, and everyday conveniences, this home offers the coastal lifestyle you've been looking for without sacrificing comfort or convenience. Come see why Waterside is such a great place to call home!

808 Airlie Vista Ln, Surf City

$245,000

2 Beds ⋅ 2 Baths

Experience the tranquility of Topsail Island at this stunning 2-bedroom, 2-bath condotel located just steps away from the white, sandy beaches of Surf City. This 2nd floor unit comes fully furnished and features beautiful views of the beach and the sound from the living room windows, the covered front porch and the back deck. Whether you want an investment property or you plan to start living the Island life, this condotel can achieve either with little to no hassle. The HOA covers all the utility bills, the internet, cable TV, exterior maintenance, and the property taxes! There is a large swimming pool, elevator, laundry facilities, outdoor shower, picnic tables and a covered veranda which is great for relaxing and enjoying the ocean breeze. The location is perfect....super close to Surf City's shopping, dining and recreational activities. The adjoining one bedroom unit is also for sale. Purchase both units and you will have a 3-bedroom oasis on Topsail Island! Don't let this Surf City gem get away! Call today to schedule your showing! Owner financing is available with 25% down!

1501 N New River Dr Unit 201, Surf City

$168,400

1 Beds ⋅ 1 Baths

Experience the tranquility of Topsail Island at this stunning 1-bedroom condotel located just steps away from the white, sandy beaches of Surf City. This 2nd floor unit comes fully furnished and features beautiful views of the beach and the sound from the back deck. Whether you want an investment property or you plan to start living the Island life, this condotel can achieve either with little to no hassle. The HOA covers all the utility bills, the internet, cable TV, exterior maintenance, and the property taxes! There is a large swimming pool, elevator, laundry facility, outdoor shower, picnic tables and a covered veranda area which is great for relaxing and enjoying the ocean breeze. The location is perfect....super close to Surf City's shopping, dining and recreational activities. The adjoining unit (201) is also for sale. Purchase both units and you will have a 3-bedrooms oasis in Surf City! Don't let this Island gem get away! Call today to schedule your showing! Owner financing available with 25 percent down

1501 N New River Dr Unit 202, Surf City

$449,500

4 Beds ⋅ 2 Baths

A STANDOUT OPPORTUNITY IN WATERSIDE. 304 Cleat Drive combines the community's most sought-after Cali floor plan, a tucked-away location just steps from the neighborhood pool, thoughtful upgrades, and a value that is difficult to match. Beautifully maintained, this 4-bedroom, 2-bath home offers the ease of one-level living with an open-concept design that feels spacious, functional, and inviting. The kitchen anchors the main living area with a large center island, abundant cabinetry, and a walk-in pantry upgraded with custom shelving. It flows seamlessly into the dining and living areas, creating the perfect space for everyday living and entertaining. The private primary suite is thoughtfully separated from the secondary bedrooms and features a walk-in closet and ensuite bath. Three additional bedrooms provide flexibility for family, guests, a home office, playroom, or fitness space. Thoughtful upgrades throughout add both function and value, including custom pantry shelving and a whole-home water filtration system. Outside, the fully fenced backyard and covered patio create an ideal space for pets, play, entertaining, or unwinding after a day at the beach. The location within Waterside is another standout. Tucked away on a quieter, private street, you can walk to the resort-style pool in moments while avoiding the neighborhood's main traffic. Residents also enjoy a fitness center, multi-sport court, playground, sidewalks, golf cart-friendly streets, and community gathering spaces. Less than 2 miles from Surf City Beach, you can bike or golf cart to the beach, coffee shops, restaurants, breweries, boutiques, parks, and more. If you've been comparing homes in Waterside, look closely at 304 Cleat Drive. Floor plan. Location. Upgrades. Fenced backyard. Proximity to the pool. And most importantly--VALUE. This home has been intentionally positioned to give its next owner an opportunity to close with equity already on their side. Come see why 304 Cleat Drive may be the smartest buy in Waterside.

304 Cleat Dr, Surf City

$374,500

1 Beds ⋅ 2 Baths

Experience the best of North Carolina coastal living in this first-floor 1-bedroom, 1.5-bath condo on beautiful Topsail Island. This move-in-ready beach retreat features an open floor plan, a private balcony for enjoying ocean breezes, a spacious bedroom, two covered parking spaces, and a private storage closet for all your beach essentials. The Surf is a gated oceanfront complex offering outstanding amenities, including a large swimming pool, private beach access, fitness center, picnic area, and laundry facility. Recent updates include a new HVAC (2023) and water heater (2024), adding peace of mind for the next owner. Just minutes from Surf City's restaurants, shopping, and fishing pier, this property is perfect as a vacation getaway, full-time residence, or income-producing vacation rental. Whether you're looking for your own beach escape or a smart investment, this Topsail Island condo is ready to welcome you.

918 N New River Dr Unit 314, Surf City

$349,000

3 Beds ⋅ 2 Baths

Welcome to this charming home located in the desirable Tropical Winds subdivision of Surf City, North Carolina. This well-maintained 3-bedroom, 2-bath home sits on a permanent foundation and is tucked away on a quiet cul-de-sac with minimal traffic, providing a peaceful setting to enjoy coastal living with no HOA dues. It is just minutes from the beaches of Surf City and conveniently located near the Earl G. & Inez Batts Recreation Complex. A standout feature of the home is the inviting raised front porch with classic columns, creating a warm welcome. The rear enclosed porch includes a mini-split system, offering versatile living space. Inside, you'll find an open floor plan with a spacious kitchen featuring plenty of cabinet and counter space, a center island, and a built-in desk with shelving--perfect for a home office, homework station, or household organization. The primary suite features a walk-in closet, walk-in shower, and soaking tub. The home also features a side entry leading into a mudroom-style laundry area with washer/dryer hookups, and additional storage/pantry space. Enjoy your morning coffee on the covered front porch or relax on the screened back porch after a day at the beach. A detached storage shed provides extra space for lawn equipment, tools, and beach gear. Whether you're looking for a primary residence, second home, or investment property, this home offers the opportunity to enjoy the best of the Surf City lifestyle with convenient access to beaches, public boat ramps, local parks, shopping, dining, and more.

201 Blue Fan St, Surf City

$500,000

8 Beds ⋅ 4 Baths

Available at Auction. Rare opportunity to own a quadruplex, a ''unicorn'' in Surf City. Set on a desirable corner lot, 2nd Row from beach, each of the four units offers a comfortable 2-bedroom, 1-bath floor plan at 768 square feet- a layout coastal renters actively seek out. Eight parking spaces plus a garage give this property a significant edge in a beach town where parking is scarce. The property is being sold as-is with some work to be done, making it a true value-add play for the right buyer. Updates and improvements here have real upside potential. You're steps from the ocean in one of the Carolina coast's most active rental markets. Three of the Four units are currently occupied, so your investment generates income immediately while you plan improvements at your own pace. Live in one unit and let the other three help carry the load, or hold all four as rentals and let Surf City's strong beach tourism do the rest. Either way, the potential here is hard to replicate at this price point and proximity to the water.

1518 Easy St Unit A - D, Surf City

$260,000

2 Beds ⋅ 2 Baths

Experience coastal living at its finest with this stunning 2-bedroom, 2-bath condotel located just steps from the pristine white sands of Topsail Island in Surf City, North Carolina. Offering a unique blend of comfort and investment potential, this turn-key property is fully furnished and has a history of rental success. With summer bookings already secured, you can enjoy immediate income during your ownership while taking in the picturesque surroundings of this vibrant beach community. Step inside to discover a beautifully designed interior featuring tile floors that enhance the airy coastal ambiance. The spacious living area seamlessly flows into a full kitchen equipped with modern appliances, perfect for preparing meals or entertaining guests. Each bedroom is generously sized, providing a comfortable retreat after a day in the sun, while the two well-appointed bathrooms ensure convenience and privacy for all. The property's standout feature is the private balcony, an ideal spot to sip your morning coffee or unwind with evening cocktails as you soak in the ocean breeze. This unique condotel not only offers relaxation but also positions you right in the heart of Surf City's amenities. Enjoy an abundance of shopping, dining, and recreational activities, making it the perfect getaway for you and your guests. HVAC was just replaced in March of 2024

1505 N New River Dr Unit 210, Surf City

$459,000

3 Beds ⋅ 2 Baths

You found it - the home that has it all! Only a short mile to the beautiful Topsail Island beaches, this light-filled one level, like-new home has everything you are looking for: gorgeous open kitchen with plenty of storage, giant pantry, and endless counter space, high-ceilinged, open great room with a wall of glass looking out at your private, wooded back yard. Plus a giant covered porch, raised beds for your kitchen or flower garden. The spacious owner's suite has a roomy walk-in closet and bathroom, enough separation from the two guest bedrooms to give everyone their private space. Come in from the two-car garage to a drop zone and laundry room. All this in the welcoming neighborhood of Waterside, close to all the Topsail Beach amenities but with fantastic amenities of its own: clubhouse, pool, tennis and pickleball courts, sand volleyball court, and walking trails. What are you waiting for - come see this home today!

304 Edgewater Way, Surf City

$379,000

1 Beds ⋅ 2 Baths

Price Improvement - Now $385k!!! Fully furnished and turnkey, this coastal property is ready for immediate rental income or your own beachside escape. Come see it before it's gone! Discover the perfect coastal retreat or income-producing investment in the heart of Surf City! This beautifully furnished **first-floor** condo offers lovely views of the pool courtyard and ocean, creating the ideal setting for relaxation or rental income. Enjoy the convenience of dedicated parking located directly beneath the unit--providing easy access and added value for owners and guests alike. The private balcony, conveniently situated near the pool, features low-maintenance Trex-type flooring--perfect for enjoying the coastal breeze and effortless outdoor living. Inside, you'll find a stylish, comfortable living space thoughtfully designed for convenience and everyday living. The open floor plan flows seamlessly, and the fully equipped kitchen makes meal preparation simple and efficient. This furnished condo is ready to generate income from day one. Community amenities include a gorgeous pool, private beach access, laundry facilities, picnic area, and workout room--everything you or your guests need for a carefree coastal experience. Located in the heart of Surf City, you can walk to local shops, restaurants, and community events, making this one of the most desirable spots on the island. Whether you're looking for a personal retreat or a high-performing rental investment, this property checks all the boxes. Don't wait--opportunities like this don't stay on the market long. Schedule your showing today!

918 N New River Dr Unit 515, Surf City

100 Gateway Condos Dr Unit Unit 115, Surf City

$379,000

4 Beds ⋅ 3 Baths

Situated in the heart of mainland Surf City, this beautifully upgraded first-floor, corner condo offers the ideal blend of space, comfort, and coastal convenience. Featuring 4 bedrooms and 3 full bathrooms, this thoughtfully designed residence provides both functionality and flexibility for a variety of lifestyles. The open-concept layout creates a seamless flow between the kitchen, dining, and living areas, perfect for entertaining guests or enjoying relaxed everyday living. As a corner unit, abundant natural light enhances the bright and airy feel throughout. Enjoy outdoor living year-round with both a screened-in porch ideal for morning coffee or unwinding in the evenings -- and an additional open-air porch offering even more space to relax and soak in the coastal atmosphere. Residents of this well-maintained community have access to exceptional amenities including a swimming pool, clubhouse, fitness center, playground, and ample parking. Located just minutes from the pristine beaches of Topsail Island, along with local shops and restaurants, this property is well-suited as a primary residence, vacation getaway, or investment opportunity. Low-maintenance living in one of Surf City's most desirable locations.

100 Gateway Condos Dr Unit Unit 115, Surf City

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