North Topsail Beach Homes under $400,000

Welcome to North Topsail Beach, a hidden gem nestled along the pristine coast of North Carolina’s Onslow County. This charming seaside town boasts an idyllic blend of natural beauty and a laid-back lifestyle, making it the perfect destination for beach lovers and those seeking a tranquil retreat. With miles of soft, sandy shores and stunning views of the Atlantic Ocean, North Topsail Beach is a paradise for outdoor enthusiasts, offering opportunities for fishing, kayaking, and beachcombing.

One of the most appealing aspects of North Topsail Beach is its diverse real estate market, particularly for those seeking homes under $400,000. Here, you can find a variety of properties that cater to different tastes and needs, from cozy beach cottages perfect for weekend getaways to spacious family homes ideal for year-round living. Many of these homes feature charming coastal designs, open floor plans, and easy access to the beach, ensuring that you can enjoy the sun, surf, and sand right at your doorstep.

The community in North Topsail Beach is warm and welcoming, with a strong emphasis on preserving the natural environment and fostering a friendly atmosphere. Residents enjoy a slower pace of life, with local shops, restaurants, and recreational activities just a short drive away. Whether you’re looking to invest in a vacation rental or find your forever home, North Topsail Beach offers an exceptional quality of life at an affordable price. Come explore this coastal paradise and discover the perfect home for you and your family!

Newest North Topsail Beach Homes under $400,000

2000 New River Inlet Rd Unit 1c5, North Topsail Beach

$274,888

2 Beds ⋅ 2 Baths ⋅ 100607863 MLS ⋅ St. Regis BLDG.

Enjoy coastal living at St. Regis Resort in this inviting 2-bedroom, 2-bath condo in North Topsail Beach. Whether you're searching for a beach getaway, full-time coastal home, or investment opportunity, this property offers the perfect setting to enjoy everything Topsail Island has to offer. The condo features a comfortable, open living space, a functional kitchen, and two spacious bedrooms, providing plenty of room to relax after a day at the beach. Located within the oceanfront St. Regis community, you'll have convenient access to the shoreline along with an impressive selection of resort-style amenities. St. Regis offers indoor and outdoor pools, fitness center, sauna, arcade, playground, basketball court, putting green, picnic and grilling areas, on-site dining, coffee and ice cream shops, elevators, and private beach access. With so much available right within the community, it's easy to settle into the Topsail Island lifestyle. Come see why St. Regis continues to be a favorite destination on the North Carolina coast!

2000 New River Inlet Rd Unit 1c5, North Topsail Beach

Listing courtesy of Listing Agent: Rodney Vest () from Listing Office: Realty ONE Group Affinity-Wilmington.

790 New River Inlet Rd Unit 205b, North Topsail Beach

$250,000

1 Beds ⋅ 1 Baths ⋅ 100606989 MLS ⋅ Villa Capriani BLDG.

Welcome to coastal living at its best in Villa Capriani! This beautifully updated 2-bedroom, 2-bath condominium offers the perfect blend of investment opportunity, vacation getaway, and low-maintenance beach living in North Topsail Beach. Inside, you'll find LVP flooring throughout, stainless steel appliances, and gorgeous quartz countertops in the kitchen, creating a fresh, coastal feel that is both stylish and easy to maintain. Whether you're looking for a proven rental property, a second home, or your own place to escape to the coast, this condo offers the flexibility and convenience you're looking for. Villa Capriani is known for its resort-style amenities and prime oceanfront setting, featuring direct beach access, multiple community pools, hot tubs, beautifully maintained grounds, and an on-site restaurant. Owners enjoy peace of mind with the HOA handling exterior building and grounds maintenance, water, sewer, trash, pest control, and the master insurance. With strong rental appeal and amenities designed for vacationers, Villa Capriani offers an easy way to own a piece of the North Topsail Beach lifestyle without the day-to-day maintenance of a traditional home. Whether you're relaxing by the pool, soaking in the hot tub, enjoying dinner on-site, or walking straight out to the beach, this is coastal living made easy!

790 New River Inlet Rd Unit 205b, North Topsail Beach

Listing courtesy of Listing Agent: Kylie Uzzell Parkhurst () from Listing Office: Better Homes and Gardens Real Estate Treasure.

2000 New River Inlet Rd Unit 2304, North Topsail Beach

$335,000

2 Beds ⋅ 2 Baths ⋅ 100606792 MLS ⋅ St. Regis BLDG.

Discover coastal living and investment potential with this furnished two-bedroom, two-bathroom condo at St. Regis on North Topsail Beach. Located on the third floor, this inviting unit offers beautiful views and an easy, low-maintenance beach lifestyle--perfect as a primary residence, second home, or investment property. Tile flooring throughout makes beach living a breeze, while the kitchen features solid-surface countertops and a convenient wet bar for entertaining. The primary suite includes an updated en suite bathroom with a walk-in tiled shower. Step outside onto the covered balcony and enjoy fabulous views of the ocean and the renovated covered pool. Recent improvements add even more value, including a new HVAC system and new washer and dryer. The exterior of the building has also recently been restored, giving the property a fresh, updated appearance. A month-to-month tenant is currently in place and may remain if desired by the new owner, offering added flexibility for an investor. St. Regis offers an impressive collection of resort-style amenities, including indoor and outdoor pools, on-site dining, community Wi-Fi, a business center, arcade, fitness center, playground, sauna, seasonal activities, and convenient parking. The Sea Star Cabana provides poolside refreshments during the season. Ideally situated on Topsail Island between Wilmington and Jacksonville, this condo provides convenient access to the area's beaches, dining, recreation, and coastal attractions. Whether you're searching for an off-season escape, a vacation rental investment, or a full-time home with an ocean view, this St. Regis condo offers an opportunity to enjoy the North Topsail Beach lifestyle.

2000 New River Inlet Rd Unit 2304, North Topsail Beach

Listing courtesy of Listing Agent: Cara Watson () from Listing Office: Keller Williams Crystal Coast.

2000 New River Inlet Rd Unit 1004, North Topsail Beach

$389,888

3 Beds ⋅ 3 Baths ⋅ 100606273 MLS ⋅ St. Regis BLDG.

Welcome to coastal living at St. Regis! This spacious 3-bedroom, 2-bath condo offers a larger floor plan with plenty of room to relax, entertain, or enjoy as a full-time residence, second home, or investment property. Designed with accessibility in mind, the unit features handicap-accessible accommodations for added convenience. Located in the oceanfront St. Regis community on North Topsail Beach, owners and guests can enjoy an impressive collection of resort-style amenities, including direct beach access, indoor and outdoor pools, fitness center and sauna, onsite dining, coffee and ice cream shops, arcade, playground, putting green, bocce ball, basketball, grilling and picnic areas, and more. Enjoy the space of a three-bedroom condo along with all the conveniences and amenities that make St. Regis a favorite Topsail Island destination.

2000 New River Inlet Rd Unit 1004, North Topsail Beach

Listing courtesy of Listing Agent: Rodney Vest () from Listing Office: Realty ONE Group Affinity-Wilmington.

2000 New River Inlet Rd Unit 3001, North Topsail Beach

$374,888

3 Beds ⋅ 2 Baths ⋅ 100605622 MLS ⋅ St. Regis BLDG.

Enjoy coastal living in this spacious 3-bedroom, 2-bath condo at St. Regis Resort in North Topsail Beach. This unit offers plenty of space for relaxing or entertaining, along with convenient access to the beach and an impressive selection of resort amenities. St. Regis features indoor and outdoor pools, private beach access, fitness center and sauna, arcade, playground, putting green, basketball court, bocce ball, grilling and picnic areas, elevators, EV charging stations, and on-site dining and shops. Whether you're looking for a primary residence, beach getaway, or investment property, this condo offers a great opportunity to enjoy the Topsail Island lifestyle.

2000 New River Inlet Rd Unit 3001, North Topsail Beach

Listing courtesy of Listing Agent: Rodney Vest () from Listing Office: Realty ONE Group Affinity-Wilmington.

2224 New River Inlet Rd Unit 338, North Topsail Beach

$154,900

1 Beds ⋅ 1 Baths ⋅ 100601612 MLS ⋅ Topsail Reef BLDG.

2224 New River Inlet Rd Unit 338, North Topsail Beach

Listing courtesy of Listing Agent: The Nilsen Team () from Listing Office: eXp Realty.

2182 New River Inlet Rd Unit 274, North Topsail Beach

$139,750

1 Beds ⋅ 1 Baths ⋅ 100601606 MLS ⋅ Topsail Reef BLDG.

Active vacation rental with over $25k in 2025 revenue and over $26k in revenue YTD as of August 31st 2026! ''Life is a Beach'' on Airbnb. Second-floor, oceanfront condo located within a well-established beachfront community on North Topsail Beach. This 1-bedroom unit offers direct oceanfront living, strong short-term rental performance, and outstanding value for both personal use and investment purposes. Positioned directly on the oceanfront, the condo enjoys beautiful views of the Atlantic Ocean with easy, convenient beach access just steps from the building. Inside, the unit has been recently updated and features LVP flooring throughout, offering a clean, coastal feel with low-maintenance durability. The primary bedroom provides sleeping for two while an additional built-in bunk area creates extra sleeping space for two more, enhancing functionality and rental appeal. The condo is being sold fully furnished, making it truly turn-key for continued short-term rental use or immediate personal enjoyment. This property is an active and successful short-term rental with frequent bookings, making it a strong opportunity for buyers seeking established income in a high-demand oceanfront location. Buyers are encouraged to review the 3-D virtual tour and professional property video. Oceanfront condos with recent updates, furnished convenience, and a documented rental history are increasingly hard to find. This property represents a compelling opportunity to own a well-performing oceanfront property at North Topsail Beach. Property can be purchased as a package with 2182 New River Inlet Rd Unit 172 and 2224 New River Inlet Road Unit 338. Make your appointment today!

2182 New River Inlet Rd Unit 274, North Topsail Beach

Listing courtesy of Listing Agent: The Nilsen Team () from Listing Office: eXp Realty.

2182 New River Inlet Rd Unit 172, North Topsail Beach

$145,855

1 Beds ⋅ 1 Baths ⋅ 100601597 MLS ⋅ Topsail Reef BLDG.

Extensively Updated Oceanfront Condo with Strong Rental History (Revenue Over $32,000 in 2025 and $25,400 2026 TYD as of August 31st). Oceanfront condo located within a well-established beachfront community on North Topsail Beach. Positioned directly on the oceanfront, this condo offers beautiful Atlantic Ocean views and convenient beach access just steps from the building. Inside, the condo has been extensively updated and showcases LVP flooring, updated cabinetry, granite countertops, and stainless-steel appliances, creating a clean, modern coastal interior designed for durability, style, and guest appeal. The well-designed layout includes a private bedroom along with an additional built-in bunk area, providing extra sleeping space and increasing flexibility for short-term rental use. This property is a highly successful and frequently booked short-term rental, reflecting consistent demand and strong performance in this oceanfront market. Due to the unit's active rental schedule and steady bookings. Unit 172 represents an excellent opportunity to own a well-performing oceanfront investment or an updated coastal retreat. Property can be purchased as a package with 2182 New River Inlet Rd Unit 274 and 2224 New River Inlet Road Unit 338.

2182 New River Inlet Rd Unit 172, North Topsail Beach

Listing courtesy of Listing Agent: The Nilsen Team () from Listing Office: eXp Realty.

2000 New River Inlet Rd Unit 3105, North Topsail Beach

$265,000

2 Beds ⋅ 2 Baths ⋅ 100601441 MLS ⋅ St. Regis BLDG.

Welcome to St. Regis 3105, your ideal oceanfront retreat on the breathtaking Topsail Island! This beautifully appointed 2-bedroom, 2-bath condo promises you endless sun-soaked memories and the ultimate beach vacation experience. Step into the cozy and inviting living room, where a large picture window frames stunning views of the Atlantic, creating the perfect backdrop for relaxation. The roomy kitchen, complete with a dishwasher and double sink, seamlessly connects to the dining area that comfortably seats four, making meal times a breeze. With ample seating in the living room, you can gather with friends and family to enjoy each other's company after a day of beach adventures. Retreat to the master bedroom, where you'll be treated to picturesque views of the pool area and breathtaking sunsets over the sea. Enjoy the convenience of a private bathroom featuring a shower over the bath, ensuring a relaxing end to your day. A washer/dryer is included for your convenience. Sleeping six comfortably, St. Regis 3105 is the perfect place for families or small groups looking to create unforgettable moments together. Just a Frisbee throw away from Topsail's beautiful family-oriented beach, this budget-friendly unit offers all the comfort and amenities you need for a memorable getaway. Your oceanfront paradise awaits at St. Regis 3105!

2000 New River Inlet Rd Unit 3105, North Topsail Beach

Listing courtesy of Listing Agent: Jason Hyde () from Listing Office: SeaShore Realty Group, Inc..

1896 New River Inlet Rd Unit 1204, North Topsail Beach

$357,000

2 Beds ⋅ 2 Baths ⋅ 100601200 MLS ⋅ Shipwatch Villas BLDG.

For the past decade, someone has woken up in this unit to Atlantic sunrises, intracoastal sunsets. Brewed coffee in the open kitchen then strolled barefoot across the cherrywood floors for a quiet cup on the balcony and the sound of the ocean. Not a vacation. Not a rental. Home. And now, for the first time, it is available to whoever falls in love with it next. This unit, 1204, has been a primary residence for its current owners for the past decade, and before that a cherished second home. The difference shows in every corner. No rental wear. No deferred maintenance. No inherited booking calendar or tenant expectations. Just a pristine, lovingly maintained oceanfront condo on Topsail Island ready for whoever comes next. The refresh makes it even better. Rich cherrywood floors anchor the living spaces with the kind of warmth that newer luxury vinyl simply cannot replicate. New neutral carpet in both bedrooms. Fresh paint throughout. Most furnishings included. The work is done. The decisions have been made. You close and you arrive. Two bedrooms. Two full baths. 1,229 square feet on the second floor with a private balcony that puts the Atlantic breeze within reach of wherever you happen to be standing. The floor plan is open and easy and works for every version of coastal life you might be imagining, a permanent address on the water, a lock-and-leave retreat, or a vacation rental investment launched from a condition that few can match. Shipwatch Villas does the rest. An oceanfront community pool with sundeck. Direct private beach boardwalk access. Outdoor grilling areas. Elevator (two serve the complex) service to every floor. A pet-friendly community policy that does not make you choose between the beach and the dog. The building sits at the northern tip of Topsail Island, minutes from Camp Lejeune, MCAS New River, MARSOC, USCG training and Stone Bay. Seaview Pier and the Karen Beasley Sea Turtle Rescue Center are nearby. Surf City waterfront dining is a short drive. Wilmington is less than an hour away. Topsail Island is a 26-mile barrier island on the southeastern North Carolina coast, largely undeveloped and fiercely protected that way. North Topsail Beach carries a town motto of Nature's Tranquil Beauty and earns it. The Atlantic sunrises here are extraordinary. The pace is deliberate. The phones go quiet. Shipwatch Villas is now VA approved. Qualified veterans, active duty service members, and military retirees may be eligible to purchase with little to no down payment and no PMI. Contact a VA-approved lender for current rates and terms specific to your situation. Competitively priced, motivated seller, updated unit currently available at Shipwatch Villas. A decade of primary residence. Never rented. Cherrywood floors. Move-in ready. The one worth seeing first.

1896 New River Inlet Rd Unit 1204, North Topsail Beach

Listing courtesy of Listing Agent: McKenzie L Johnson () from Listing Office: eXp Realty.

2000 New River Inlet Rd Unit 2409, North Topsail Beach

$379,888

3 Beds ⋅ 2 Baths ⋅ 100600738 MLS ⋅ St. Regis BLDG.

Welcome to coastal living at the St. Regis Resort in North Topsail Beach! This spacious 3-bedroom, 2-bathroom condo offers a comfortable layout with plenty of room to enjoy everything Topsail Island has to offer. The open living and dining area flows into the kitchen, creating an inviting space for everyday living or entertaining. Step outside and enjoy the coastal atmosphere from the private balcony. Three bedrooms and two full bathrooms provide flexible space for full-time living, a second home, or investment property. St. Regis offers an impressive selection of on-site amenities, including direct beach access, indoor and outdoor swimming pools, multiple elevators, a fitness center, sauna, arcade/game room, playground, basketball court, putting green, bocce ball, outdoor recreation areas, EV charging stations, and on-site dining and shopping options. Located directly along the Atlantic Ocean in North Topsail Beach, this condo provides convenient access to the beach while still being close to Surf City, Sneads Ferry, Jacksonville, and Camp Lejeune. Whether you're looking for a coastal residence, vacation getaway, or rental investment opportunity, this St. Regis condo offers the opportunity to own a piece of Topsail Island. SELLER FINANCING AVAILABLE!!!

2000 New River Inlet Rd Unit 2409, North Topsail Beach

Listing courtesy of Listing Agent: Rodney Vest () from Listing Office: Realty ONE Group Affinity-Wilmington.

2000 New River Inlet Rd Unit 3113, North Topsail Beach

$249,888

2 Beds ⋅ 2 Baths ⋅ 100600195 MLS ⋅ St. Regis BLDG.

Welcome to your oceanfront retreat at the St. Regis Resort in beautiful North Topsail Beach! This 2-bedroom, 2-bath condo offers breathtaking views of the Atlantic from your private balcony and is just steps away from the sand. Inside, you'll find a spacious and thoughtfully designed layout featuring an open-concept living and dining area, perfect for relaxing or entertaining. The kitchen comes fully equipped with modern stainless steel appliances, ample cabinetry, and updated lighting. Both bedrooms are generously sized, with the primary suite offering an en-suite bath and ocean views. Enjoy resort-style living with access to top-notch amenities including two pools (one covered heated pool and one outdoor), two on-site restaurants, an arcade/game room, a fitness center, sauna, and private beach access. Whether you're looking for a full-time residence, a vacation getaway, or a high-performing rental, this condo offers the perfect blend of comfort, convenience, and coastal charm. OWNER FINANCING AVAILABLE!

2000 New River Inlet Rd Unit 3113, North Topsail Beach

Listing courtesy of Listing Agent: Rodney Vest () from Listing Office: Realty ONE Group Affinity-Wilmington.

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