Surf City Homes under $600,000

Welcome to Surf City, North Carolina—where coastal charm meets modern living! Nestled in Pender County, this vibrant beach town is known for its stunning shorelines, warm hospitality, and a laid-back lifestyle that invites you to unwind and embrace the beauty of coastal living. With its pristine beaches and picturesque landscapes, Surf City is the perfect destination for those seeking a slice of paradise.

Whether you're looking for a vacation home, a permanent residence, or an investment opportunity, Surf City offers an impressive array of homes under $600,000. From cozy beach cottages to contemporary townhouses, there’s something for everyone in this delightful community. Imagine waking up to the sound of waves crashing and the salty breeze wafting through your window, all while knowing you’ve made a smart investment in a thriving area.

Surf City boasts a rich array of local amenities, including charming shops, delicious dining options, and a plethora of recreational activities. Spend your days soaking up the sun on the sandy beaches, exploring nearby parks, or indulging in fresh seafood from local restaurants. The community also hosts various events throughout the year, fostering a sense of camaraderie among residents and visitors alike.

With its affordable housing options and breathtaking coastal scenery, Surf City is not just a place to live; it’s a lifestyle. Discover your dream home in this enchanting beach town and experience the magic of Surf City, where every day feels like a vacation. Your coastal haven awaits!

Newest Surf City Homes under $600,000

$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

$599,900

2 Beds ⋅ 2 Baths

Welcome to 1218 N New River Drive, a charming Surf City beach cottage on Topsail Island offering stunning Intracoastal Waterway views and just a short walk to the beach, local restaurants, shopping and area attractions. This 2 bedroom, 2 bath home also includes a versatile loft, easily used as a third bedroom, home office or cozy reading nook, giving you flexibility that is hard to find in a home this size. Step inside to a bright, open floor plan with cathedral ceilings and abundant natural light throughout the main living area. The living room flows seamlessly into the kitchen and dining spaces, creating an easy, comfortable layout for entertaining family and friends or simply relaxing after a day at the beach. Plantation style blinds add a polished coastal touch throughout, and the home is being sold mostly furnished, so many of the pieces you see are ready to stay and make your move that much easier. Tucked beneath the cathedral ceiling and reached by its own staircase, the loft is one of this home's best surprises. Use it as a third bedroom for guests, a quiet home office with a view, or simply extra space to spread out. It is the kind of feature that lets this cottage flex to fit exactly how you live, without adding on or moving up in price. Downstairs, the ground level offers three additional heated and cooled spaces, including multiple rooms and a half bath. Whether you need a workshop, a place to rinse off and store beach gear, a rec room for the kids, or simply more storage than a typical cottage provides, this level gives you room to grow into the home over time rather than outgrow it. Outside is where this property really shines. Start your morning with coffee on the back deck as it catches the sunrise, then wind down in the evening on the front deck and balcony as they face the sunset over the water. The fenced backyard includes a fire pit for easy evenings outdoors, and a convenient outdoor shower keeps sand from making its way inside after a beach day. A wide, extra long driveway offers generous parking, including a covered space underneath the house, so there is plenty of room for guests, a boat, or beach gear, with room to spare. With no HOA, you have the freedom to make this home entirely your own. The seller is also offering a $5,000 use as you choose credit, whether you'd rather put it toward closing costs, a rate buy down, updates, or simply getting settled in. Use it as a full time residence, a low maintenance second home, or a vacation rental investment near Surf City without the premiums and upkeep that come with an oceanfront property. The home has no rental history, but is projected to bring in as much as $55,000 a year! Surf City and Topsail Island are known for their laid back, small town beach charm: boutique shops, local seafood spots, and an easy, unhurried pace that is hard to find on more crowded stretches of the North Carolina coast. From this address, you are just steps from all of it, with the Intracoastal Waterway as your everyday backdrop and the ocean itself only a short walk away. Morning walks to the beach, evening drives along the island, and easy access to shopping and dining make everyday life here feel like the vacation you used to have to drive hours for. This is a home that works as hard as you need it to: a full time residence with room to host, a low maintenance second home you can lock up and leave, or an investment property in a beach town that continues to draw buyers looking for exactly this kind of laid back coastal lifestyle. Whether you are searching for a primary residence, a second home, or an investment opportunity, 1218 N New River Drive is ready to welcome you home to Surf City!

1218 N New River Dr, Surf City

$575,000

3 Beds ⋅ 2 Baths

Don't miss this opportunity to own a piece of the coast at a price that makes sense! 1513 Easy Street is truly a local's choice, offering an unbeatable combination of location, parking, lot size, and affordability. Just minutes from a popular beach access featuring no stairs and convenient outdoor showers, making those quick trips to the beach easy for everyone. You're also just one block from a neighborhood park, perfect for the kids, while several nearby local watering holes provide the perfect place to unwind, grab a drink, and enjoy live music. One of the property's biggest advantages is the lack of first-floor living space, which can help make flood insurance more affordable while still providing plenty of useful space below. There's also loads of parking, making it easy to accommodate family, friends, boats, golf carts, and beach gear. And don't overlook the larger-than-average lot--a rare opportunity on the island. There's room to create additional outdoor living space, expand the home, add a deck, or simply enjoy more room to spread out. Great location. Great lot. Great potential. And a price that makes this one worth taking a serious look at. Whether you're looking for a coastal getaway, investment opportunity, or your own place near the beach, 1513 Easy Street deserves a spot on your must-see list! *square-footage for the uppermost room is not included in listed square-footage.

1513 Easy St, Surf City

$575,000

2 Beds ⋅ 1 Baths

Discover the effortless appeal of coastal living at this beautifully updated second-row ranch bungalow, ideally situated in the heart of Surf City. Just three lots from beach access, this charming 2-bedroom, 1-bath retreat offers an exceptional combination of location, comfort, and investment potential. From the moment you arrive, the inviting wraparound front porch sets the tone. Designed for slow mornings, sunset cocktails, and breezy afternoons, it provides the perfect vantage point to enjoy the coastal atmosphere and refreshing ocean breezes. Inside, a thoughtfully curated coastal aesthetic complements the home's comfortable, easygoing layout. The open-concept living space creates a natural gathering place and flows seamlessly into the bright, welcoming kitchen. Both bedrooms offer peaceful accommodations after a day spent enjoying the beach, making the home equally well suited for personal use or continued vacation rental income. Location is truly the standout. With the beach just steps away, spontaneous morning walks on the sand and afternoons in the waves become part of everyday life. When you're ready to explore, Surf City's restaurants, bars, boutiques, grocery store, and everyday conveniences are all within easy walking, biking, or driving distance. After a day along the coast, return home to fire up the patio grill or simply settle into the rocking chairs and savor the salty air. Store beach gear in the shed. Whether you're looking for a turnkey coastal investment, a weekend escape, or a place to create lasting beach memories, this thoughtfully updated Surf City bungalow offers an enviable opportunity to experience the best of the coast--without sacrificing convenience or charm.

417 N Shore Dr, 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

$600,000

3 Beds ⋅ 3 Baths

Coastal access, a pool just outside your door, and a fully furnished setup make this Surf City townhome an easy choice for enjoying life by the water. Located in Turtle Cove, this 3 bedroom, 3 bathroom townhome offers dedicated beach access and an outdoor shower for rinsing off after time on the sand. The community pool sits right outside the front door, creating a convenient extension of the living space. Covered parking underneath accommodates two vehicles. Inside, the home is updated and well-appointed with luxury vinyl plank flooring throughout the main living areas and bedrooms, while tile is used in the kitchen, bathrooms, and first-floor landing. The first level includes the primary and second bedrooms, each with an ensuite bathroom, along with a laundry closet. The primary suite also features access to a covered balcony with distant sound views. Upstairs, the main living area includes the living room, kitchen, dining space, third bedroom, and an additional full bathroom, providing separation between living and sleeping areas. Directly across the street, Kenneth D. Batts Family Park offers a boardwalk, playground, basketball court, picnic shelters, and marsh views at sunset. Shopping and dining in Surf City are also within a short walk or bike ride. The HOA covers the master and flood insurance, exterior and common area maintenance, private beach access, pool, pest control, and management--adding convenience and value. This townhome would be suitable for a primary residence, second home, or investment property. A 2.25% VA assumable loan may be available to qualified buyers. For information about our preferred lender and the incentives you may qualify for, please ask your agent to review the agent comments for additional details.

221 Lazy Day Dr, Surf City

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