# 1041 1st Street, Surf City, NC 28445 > **TL;DR:** 3bd/2ba single family, $959,000 ($419/sqft), built 1993, 2,288 sqft. > Waterfront. Est. $5,129/mo. Listed 134 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $959,000 | | Price/sqft | $419 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 2,288 | | Year Built | 1993 | | Lot Size | 6,534 sqft (0.15 acres) | | Stories | 2 | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 134 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $4,849 | | Estimated Insurance | $280 | | **Total** | **$5,129** | ## Nearby Schools - **Elementary:** Coastal Elementary - **Middle:** Dixon - **High:** Dixon ## Key Amenities - Waterfront ## Property Highlights - Built in 1993 - 0.15 acre lot - 2 stories - Waterfront ## Description ### Agent Description --Beautifully Updated-- canal-front home -- deep water access--stunning water views, --private boat dock. Whether you enjoy cruising the Intracoastal Waterway, fishing, or simply relaxing by the water, this property is designed for making lasting memories. --The spacious open floor plan creates the perfect gathering place for family and friends, with the living area flowing onto a covered waterfront deck-- unwind and watch the boats pass by-- The well-appointed kitchen features-- granite countertops and plenty of space for entertaining.--The main living area offers 3 bedrooms& 2 baths, while the ground-level apartment has 1 bedroom &flex space being used as a bedroom, full kitchen and bath.( 773 extra sq ft, not included in primary sq footage) Use it to maximize rental income, accommodate guests, or keep the lower level for your own private retreat while renting the upper level.--Outside, enjoy a beautifully landscaped backyard, a bulkheaded waterfront, and both covered and uncovered docking areas at your private boat dock. The deep-water canal provides direct access to the Intracoastal Waterway, making this a dream property for boating enthusiasts. Additional features include: - Deep-water canal frontage - Private boat dock with covered and uncovered area - Direct access to the Intracoastal Waterway - Spacious open-concept floor plan - Covered waterfront deck with beautiful water views - Granite countertops - Ground-level apartment with, 1 bedroom/ large flex space, full kitchen and bath - Landscaped backyard - Outdoor storage area for beach and boating gear - Excellent rental potential - Convenient location near restaurants, shopping, and local attractions - Short stroll to beach access ## Location - **Address:** 1041 1st Street, Surf City, NC 28445 - **County:** Onslow - **Neighborhood:** Old Settlers Beach - **Coordinates:** 34.445453, -77.520733 - **Google Maps:** https://www.google.com/maps?q=34.445453,-77.520733 ## Virtual Tour & Media - **Video Tour:** https://my.matterport.com/show/?m=sEoXUhRuzCo ## Listing Agent - **Name:** Glynda Bradshaw · **License:** 224884 - **Brokerage:** Ward Realty Corp - **Broker Phone:** 9103283221 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1041-1st-St_Surf-City_NC_28445_M54794-76645?f=listhub&s=HIVEMLSNC&m=100583279&c=propsimple) ## Photos ![1041 1st Street - Photo 1](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3936484694r.jpg) ![1041 1st Street - Photo 2](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f657630445r.jpg) ![1041 1st Street - Photo 3](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f290005046r.jpg) ![1041 1st Street - Photo 4](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3753376063r.jpg) ![1041 1st Street - Photo 5](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f581109641r.jpg) ![1041 1st Street - Photo 6](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1016457147r.jpg) ![1041 1st Street - Photo 7](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3511545825r.jpg) ![1041 1st Street - Photo 8](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3770558723r.jpg) ![1041 1st Street - Photo 9](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f2106140567r.jpg) ![1041 1st Street - Photo 10](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f2289552977r.jpg) ![1041 1st Street - Photo 11](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3310686899r.jpg) ![1041 1st Street - Photo 12](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f2831798703r.jpg) ![1041 1st Street - Photo 13](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1241635717r.jpg) ![1041 1st Street - Photo 14](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f2404423432r.jpg) ![1041 1st Street - Photo 15](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f111195250r.jpg) ![1041 1st Street - Photo 16](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3682510667r.jpg) ![1041 1st Street - Photo 17](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f266747219r.jpg) ![1041 1st Street - Photo 18](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3292371568r.jpg) ![1041 1st Street - 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Photo 29](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3344014222r.jpg) ![1041 1st Street - Photo 30](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f2001619566r.jpg) ![1041 1st Street - Photo 31](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3434950062r.jpg) ![1041 1st Street - Photo 32](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f2983022633r.jpg) ![1041 1st Street - Photo 33](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1157300959r.jpg) ![1041 1st Street - Photo 34](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1913770446r.jpg) ![1041 1st Street - Photo 35](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1272972238r.jpg) ![1041 1st Street - Photo 36](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1871383968r.jpg) ![1041 1st Street - Photo 37](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f2475266109r.jpg) ![1041 1st Street - Photo 38](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3674671933r.jpg) ![1041 1st Street - Photo 39](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1365903998r.jpg) ![1041 1st Street - Photo 40](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f400753897r.jpg) ![1041 1st Street - Photo 41](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f680243184r.jpg) ![1041 1st Street - Photo 42](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f547945959r.jpg) ![1041 1st Street - Photo 43](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f2940700397r.jpg) ![1041 1st Street - Photo 44](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f2721210860r.jpg) ![1041 1st Street - Photo 45](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3454132293r.jpg) ![1041 1st Street - Photo 46](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1095779158r.jpg) ![1041 1st Street - Photo 47](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3883972383r.jpg) ![1041 1st Street - Photo 48](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3772386338r.jpg) ![1041 1st Street - Photo 49](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3783487326r.jpg) ![1041 1st Street - Photo 50](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3936484694r.jpg) ![1041 1st Street - Photo 51](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1651414959r.jpg) ![1041 1st Street - Photo 52](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f332342486r.jpg) ![1041 1st Street - Photo 53](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1152044460r.jpg) ![1041 1st Street - Photo 54](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f290125840r.jpg) ![1041 1st Street - Photo 55](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1760368299r.jpg) ![1041 1st Street - Photo 56](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3095850919r.jpg) ![1041 1st Street - Photo 57](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f2908167580r.jpg) ![1041 1st Street - Photo 58](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f556526471r.jpg) ![1041 1st Street - Photo 59](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1294770970r.jpg) ![1041 1st Street - Photo 60](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3991844506r.jpg) ![1041 1st Street - Photo 61](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f2677770487r.jpg) ![1041 1st Street - Photo 62](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f1892856989r.jpg) ![1041 1st Street - Photo 63](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f3753376063r.jpg) ![1041 1st Street - Photo 64](http://lh.rdcpix.com/470af3c98764dd5bec124a96a97c219fl-f931720710r.jpg) --- **MLS#:** 100583279 | **Updated:** 2026-10-23 **Source:** listhub *Copyright © 2026 Hive MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/1041-1st-street-surf-city-nc-28445-8a286c0dbaff412bb8d8ee8fab8640ca) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/1041-1st-street-surf-city-nc-28445-8a286c0dbaff412bb8d8ee8fab8640ca#listing", "url": "https://www.propertysimple.ai/listing/1041-1st-street-surf-city-nc-28445-8a286c0dbaff412bb8d8ee8fab8640ca", "name": "1041 1st Street, Surf City, NC 28445", "description": "--Beautifully Updated-- canal-front home -- deep water access--stunning water views, --private boat dock. 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