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$699,000
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Property Description
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 at the beach 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 overlooks the canal 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 spot near the water, while the utility room and large storage areas provide plenty of room for beach gear, fishing equipment, bikes, tools and boating supplies. A ground-level bathroom is especially convenient when coming in from the boat or beach. Step outside and you're just a few 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. Whether you're searching for a primary residence, second home or coastal getaway, 4074 4th Street brings together what makes Surf City waterfront living so appealing: the Atlantic Ocean within walking distance, approximately 55 feet of canal frontage, your boat in the backyard, generous storage and no HOA.
Full Property Details
Full Property Details for 4074 4th St
General
- Price: $699,000
- Taxes: $7,372 (2026)
- Status: Active
- Type: Single Family
- Source: 2253
- MLS ID: 100601423
- Updated: 10/6/2026
- Added to Site: 46 day(s) ago
Interior
- Number of Rooms: 9
- Interior Features: Blinds/Shades
- Appliances: Built-In Microwave, Refrigerator, Dishwasher
- Flooring: LVT/LVP, Carpet, Tile
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 3
Bedrooms
- Total Bedrooms: 3
- Primary Bedroom: Primary Living Area
Exterior
- Porch/Patio/Deck: Patio
Parking
- Carport Spaces: 1
- Parking Features: Off Street
Location
- County: Onslow
- Subdivision: Old Settlers Beach
- Driving Directions: From the Island roundabout in Surf City, travel North on N. New River Dr. Turn left onto 4th St. The house will be on the right.
School Information
- High School District: Onslow
- Elementary School: Dixon
- Middle School: Dixon
- High School: Dixon
Heating & Cooling
- Air Conditioning: Yes
- Cooling Type: Central Air
- Heating Type: Electric, Heat Pump
Utilities
- Sewer: Municipal Sewer, City/Town
- Water: Public
- Utility Description: Sewer Connected, Water Connected
Structural Information
- Structure Type: Wood Frame, Stick Built
- Construction: Vinyl Siding, Wood Frame
- Basement Desc.: None
- Roof: Metal
- Entry Floor Number: 2
- Square Feet: 1,762
- Year Built: 1986
Lot Features
- Lot Size (Acres): 0.18
- Lot Size (Sq. Ft.): 7,841
- Lot Dimensions: 55 x 140
- Frontage: Paved, Paved
- Lot Features: Boat Slip, Boat Dock, Boat Lift, Bulkhead, Navigable Water
- Zoning: MHS
- Fencing (Description): None
Water Features
- Water Front: Yes
- Water Front Desc.: Boat Lift, Bulkhead, Canal Front
Financial Considerations
- For Sale: Yes
- Price Per Sq. Ft.: $396.71
- Assessment Amount: $652,407
- Tax Amount: $7,372.2
- Tax Year: 2026
- Terms: Cash, Conventional, FHA, VA Loan
Disclosures and Reports
- Special Conditions: Standard
- Legal Description: L30 S3 B41 OLD SETTLERS BEACH
- Property ID: 800-108
Listed by Coastal Realty Associates LLC, Hugh A Cannady
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Schools
Schools serving 4074 4th St
School District:Onslow County Schools
| Name | Grades | Distance |
|---|---|---|
Dixon Middle 118 Ridgefield Avenue, Sneads Ferry, NC 28460 | 6-8 | 8.1 mi |
Dixon High 160 Dixon School Road, Holly Ridge, NC 28445 | 9-12 | 9.6 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 4074 4th St
Date
Details
Price
Change
Source
10/06/2026
Price Reduced
$699,000
-4.12%
MLS
9/04/2026
Listed
$729,000
97.03%
MLS
6/25/2013
Sold
$370,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 4074 4th St
Year
Property Taxes
Change
Tax Assessment
Change
2026
$2,757
—
$652,407
55%
2025
$2,757
—
$420,907
—
2024
$2,757
—
$420,907
—
2023
$2,757
26%
$420,907
36%
2021
$2,184
-21%
$309,800
-26%
2022
$2,757
26%
$420,907
36%
2020
$2,184
—
$309,800
—
2019
$2,184
—
$309,800
—
2018
$2,184
-7%
$309,800
-11%
2017
$2,352
—
$348,440
—
2016
$2,352
—
$348,440
—
2015
$2,352
-8%
$348,440
-8%
2014
$2,548
11%
$377,420
-3%
2013
$2,288
—
$391,050
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 4074 4th St
4074 4th Street, Surf City, NC 28445 (MLS# 100601423) is a Single Family property with 3 bedrooms and 3 full bathrooms. 4074 4th Street is currently listed for $699,000 and was received on September 04, 2026. Want to learn more about 4074 4th Street? Do you have questions about finding other Single Family real estate for sale in Surf City? You can browse all Surf City real estate or contact a Coldwell Banker agent to request more information.

