Surf City Homes with Three Or More Levels

Welcome to Surf City, North Carolina—a coastal gem that perfectly blends the charm of small-town living with the vibrant energy of beach life. Nestled along the picturesque shores of the Atlantic Ocean, Surf City is renowned for its stunning beaches, inviting atmosphere, and a community that feels like family. Whether you’re an outdoor enthusiast or a lover of laid-back beach days, Surf City offers a lifestyle that’s hard to resist.

One of the most appealing features of this enchanting locale is its diverse selection of homes, particularly those with three or more levels. These multi-level residences are designed to maximize both space and views, offering an array of layouts that cater to families, retirees, and everyone in between. Imagine waking up to the sound of waves crashing and enjoying your morning coffee on a spacious balcony overlooking the ocean. With ample room for entertaining guests or creating cozy family spaces, homes in Surf City provide the perfect backdrop for making lifelong memories.

In addition to its stunning properties, Surf City boasts a vibrant community with local shops, delicious dining options, and year-round activities that celebrate the coastal lifestyle. From fishing off the pier to exploring nearby parks and nature trails, there’s no shortage of adventure waiting for you.

Whether you’re looking to invest in a vacation home or a permanent residence, Surf City’s multi-level homes offer a unique opportunity to embrace the coastal lifestyle. Experience the charm of Surf City and discover the perfect home where every day feels like a getaway.

Newest Surf City Homes with Three Or More Levels

$2,600,000

6 Beds ⋅ 7 Baths ⋅ 100590720 MLS

Introducing 736 Dune Ridge Court, a newly constructed 6-bedroom, 6.5-bath oceanfront luxury home on Topsail Island. Designed for elevated coastal living, exceptional vacation-rental potential, and the ultimate second-home lifestyle, this beachfront residence offers direct ocean access through a private beach walkway, three levels of oceanfront decks, and panoramic Atlantic views. The main living level features an open-concept floor plan with expansive ocean-facing spaces, a modern electric fireplace, custom built-ins, and seamless indoor-outdoor flow. The chef's kitchen combines luxury with functionality through high-end stainless steel appliances, two refrigerators, two dishwashers, and a private scullery offering additional preparation space and storage. A wet bar with a wine refrigerator and professional ice maker creates the perfect gathering space after a day on the water. The thoughtfully designed floor plan includes two ocean-facing primary suites, each capturing beautiful coastal views and featuring a spacious walk-in shower. All six bedrooms include private ensuite bathrooms, providing comfort and privacy for owners and guests alike. Additional features include an elevator serving each level, two complete sets of washers and dryers, a two-car garage, and multiple outdoor living spaces designed to showcase ocean breezes, sunrises, and unobstructed beachfront views. Built for long-term coastal ownership, the home is supported by substantial 10-by-10 structural pilings and finished with five-point interlocking vinyl shake siding rated for winds up to 185 mph. The property is located in an AE flood zone, with reduced insurance quotes available for review. Paragon Vacation Rentals projects approximately $275,000 in annual gross vacation-rental revenue, positioning this property as an exceptional opportunity for buyers seeking a high-performing luxury oceanfront investment, a private Topsail Island retreat, or a combination of both. 736 Dune Ridge Court delivers the location, construction quality, amenities, and income potential today's oceanfront buyer is searching for.

736 Dune Ridge Ct, Surf City

Listing courtesy of Listing Agent: Alex McKinney () from Listing Office: SERHANT.

$660,000

3 Beds ⋅ 3 Baths ⋅ 100590570 MLS

Perfectly positioned in the waterfront community of Egret Landing, this beautifully maintained 3-bedroom, 2.5-bath home offers 1,914 square feet of thoughtfully designed living space, blending coastal charm, low-maintenance ownership, and everyday convenience--all just moments from the beaches, dining, shopping, and entertainment that make Surf City one of North Carolina's most sought-after destinations. From launching your paddleboard at the community dock to ending the day with panoramic views from the crow's nest, every level of this home was designed to embrace life on the coast. Designed with a sought-after reverse floor plan, the home's main living level is dedicated to gathering and entertaining. Nine-foot ceilings and an open-concept design create a spacious, airy atmosphere while capturing picturesque views of the Intracoastal Waterway, surrounding marshes, and the iconic Surf City Bridge. The kitchen is thoughtfully designed for both everyday living and entertaining, featuring granite countertops, a six-foot pendant-lit eat-in bar, stainless steel dual-basin sink with disposal, GE smooth-top range, abundant 36-inch cabinetry, and a spacious pantry with ventilated shelving. Adjacent to the kitchen, the chandelier-lit dining area is perfectly positioned to enjoy the ever-changing coastal scenery. Rich 7¼-inch luxury vinyl plank flooring flows seamlessly into the adjoining living room, where abundant natural light, elegant trim detailing, and direct access to the covered deck create an inviting indoor-outdoor living space. Whether you're enjoying your morning coffee or unwinding after a day on the water, ocean breezes become part of everyday life. A conveniently located half bath completes the level. Occupying the entire upper floor, the private owner's retreat offers a peaceful sanctuary unlike any other space in the home. The spacious primary suite is complemented by a versatile adjoining bonus room ideal as a sitting room, home office, fitness space, nursery, or private lounge. Refined trim details continue throughout the retreat, while a spiral staircase leads to the crow's nest, where panoramic views of Topsail Island and the Atlantic Ocean provide an unforgettable backdrop for sunrise coffee, evening sunsets, or simply taking in the beauty of the coast. The first floor is thoughtfully designed with family and guests in mind, offering two comfortable guest bedrooms, including one with private covered deck access, a full guest bath, and a conveniently located laundry area--providing both privacy and comfort for everyone. Outside, low-maintenance vinyl siding, decorative raised-panel shutters, and a durable metal roof provide lasting peace of mind. The covered carport offers ample parking and storage for beach gear, paddleboards, fishing equipment, or a golf cart, while hot and cold plumbing is already in place for a future outdoor shower, making it easy to complete one of every beach home's most appreciated amenities. Whether you're searching for a primary residence, second home, or investment opportunity, 108-B Egret Landing Court offers the perfect balance of thoughtful design, exceptional amenities, and the relaxed waterfront lifestyle that makes Surf City such a special place to call home.

108 Egret Landing Ct Unit B, Surf City

Listing courtesy of Listing Agent: Streamline Realty Team () from Listing Office: REAL Broker LLC.

$1,180,000

7 Beds ⋅ 4 Baths ⋅ 100590315 MLS

What a view from this Surf City Home with Solid Rental History if interested! The Ground Floor offers a multi-car Carport, Outdoor Storage Room, Golf Cart Parking, and all before you walk in the home! As you enter from Ground level, you'll find more Storage, and access to steps or the Elevator to take to the First Floor and beyond! Once on the First Floor, you'll find 2 Primary Suites, 2 other Bedrooms that are Generous in size, and a Full Bath for the 2 to share! Also, take a minute to enjoy the view on the Front Porch as well! As you go up another level the the 2nd Floor, you'll find a true Open Concept with Beautiful Kitchen, Dining Area, and a few different living spaces to sit and relax! You'll also find access to another Porch over looking the Beautiful Sound! There are also 2 bedrooms on this floor and full Bath as well! Don't miss the Crows Nest on the top floor which could be used as a 7th BR, Loft, or whatever you choose! There is also access to a private Deck that once again shows off the incredible views! This home has it all, including a shared pool, an outdoor shower, and quick access to Beach, Parks, Restaurants, Shops and more!

822 S Topsail Dr Unit A, Surf City

Listing courtesy of Listing Agent: Matthew Wertz () from Listing Office: Fathom Realty NC, LLC Cary.

$1,499,999

4 Beds ⋅ 3 Baths ⋅ 100590100 MLS

$25k BUILDER INCENTIVE - ON THIS NEW CONSTRUCTION OCEANSIDE BEAUTY OR RATE BUY DOWN!! with incredible OCEAN VIEWS, and steps from your own deeded beach access. Highly desirable Dune Ridge Community in the heart of Surf City, and located on a quiet dead end street. Features 4 Bedrooms and 3 Full Baths, ELEVATOR! Boasts Luxury finishes throughout, with vaulted ceilings, modern open layout, quartz countertops, huge kitchen island for entertaining, wine cooler, sleek stainless steel appliances, large pantry. This home offers 2 levels of huge rocking chair style decks, with one partially covered by roofing, for your comfort. Also a back deck off the kitchen offers additional space for grilling and a view of your large fenced in backyard, ready to drop in a swimming pool, if you like! This one under construction, call Listing Agent for more details on completion date and choices of any interior fixtures. The dead end road winds to connect with the beach road so you can stroll, walk, bike, or drive to downtown Surf City without getting on main road. This street is a Gorgeous location, to take in the OCEAN views, so quiet at end of street, steps to the beach life, make this your very own Coastal Luxury primary, 2nd home or rental investment, STR allowed! No HOA!

737 Dune Ridge Ct, Surf City

Listing courtesy of Listing Agent: Rebecca E Moxey () from Listing Office: Coldwell Banker Sea Coast Advantage-Hampstead.

$1,795,000

5 Beds ⋅ 5 Baths ⋅ 100589927 MLS

Experience luxury coastal living at 1919 N New River Drive in Surf City. This stunning furnished, new construction home offers 3,200 square feet, 5 bedrooms, and 4.5 bathrooms, including three private en-suite bedrooms. Designed to capture breathtaking panoramic ocean and canal views, the home is located directly across from public beach access for effortless days on the sand. Features include an elevator, open-concept living, premium finishes, an irrigation system, outdoor shower, and privacy fence. Whether you're seeking a short-term rental investment, primary residence, or second home, this exceptional property offers the perfect blend of luxury, comfort, and location in one of Surf City's most desirable coastal communities.

1919 N New River Dr, Surf City

Listing courtesy of Listing Agent: Frank Travolina () from Listing Office: Keller Williams Innovate-Wilmington.

$374,500

1 Beds ⋅ 2 Baths ⋅ 100587374 MLS ⋅ Surf Condominiums BLDG.

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

Listing courtesy of Listing Agent: Alana Maffessanti () from Listing Office: Wicker Properties of the Carolinas, Inc..

$484,000

3 Beds ⋅ 3 Baths ⋅ 100585940 MLS

This home is in the perfect location and has been meticulously maintained. The true highlight of this property is the incredible backyard and patio area -- a private outdoor retreat perfect for relaxing, entertaining, and enjoying the coastal lifestyle. If you are looking for a home that is close to the beach, offers a great community atmosphere, and is conveniently located near shopping and restaurants, this is the one! Features include 3 bedrooms, 3 full bathrooms, and a beautiful kitchen with white cabinetry, granite countertops, and ample storage. The spacious living room offers plenty of natural light and opens to a large deck featuring custom electric/solar sunscreens, installed in 2026. This is the perfect place to watch the sunset. When you enter the home, you will find two spacious bedrooms, each with its own full bathroom. The top-floor bedroom is versatile and can easily function as a private office, guest suite, or additional living space. A built-in desk is located in the closet and can be removed to create a fully functioning closet. As an end unit, this home offers abundant natural light throughout. Additional features include a walk-in storage area with plenty of room for beach chairs, outdoor gear, and more. The outdoor living space is truly exceptional, with a privacy fence, picket fencing, a beautiful stamped concrete patio, professionally sodded St. Augustine Sola sod, and Wi-Fi-enabled irrigation. Enjoy the coastal lifestyle with a short walk to the community dock, where you can relax and take in breathtaking sunrises and sunsets over the water. The Surf City bridge is also just a short stroll away, offering easy access for biking, kayaking, and paddleboarding adventures. The home has been thoughtfully updated, including interior painting in 2026, gutters installed in 2021, and a ridge vent mesh added in 2026 to keep snow, and driving rain out of the attic. All updates are listed in the MLS. The property includes two parking spaces, with a 3rd shared spot. Owners are eligible for two Surf City parking passes each year -- making beach days even easier. This home offers the perfect blend of comfort, convenience, and coastal living!

202 Bridgeview Ct Unit A, Surf City

Listing courtesy of Listing Agent: Pam A Rose () from Listing Office: Keller Williams Legacy.

$1,399,000

4 Beds ⋅ 4 Baths ⋅ 100585639 MLS

Enjoy stunning Atlantic Ocean and Intracoastal Waterway views from this brand-new 4-bedroom, 3.5 bath luxury home, complete with balconies on every level and a 4th-floor cupola with a 360° viewing deck of the entire Island! Beach access is directly across the street, and the ground-level entertainment area with outdoor shower makes coastal living easy. Inside, the home features two primary bedroom suites, a whole-home SONOS system, surround sound in the great room, and smart-home security with Ring cameras and full monitoring. Located just 2.5 miles from Surf City, you're close to dining, shopping, the pier, parks, and boat launches. Situated in the sought-after Accolade community, residents enjoy the island's largest resort-style pool, an open-air clubhouse, and scenic walking trails under mature live oaks. This home offers luxury, convenience, and the best of Topsail Island living.

55 Accolade Dr, Surf City

Listing courtesy of Listing Agent: Jim A Spicuzza () from Listing Office: Coastal Properties.

$715,000

3 Beds ⋅ 3 Baths ⋅ 100584483 MLS

Positioned along the coveted shores of Surf City, 515 N New River Drive, Unit D is a meticulously maintained 3-bedroom, 3-full-bath townhome with breathtaking views of the Intracoastal Waterway. Built in 2006 and impeccably kept, this 1,894 sq ft coastal home is the kind of property that doesn't come along often. Step out onto your private deck and watch yachts glide by as the sky transforms into a canvas of color each evening -- sunsets over the water that simply never get old. When you're ready for sand between your toes, the beach and Surf City's waterfront restaurants are just a short stroll away. Inside, the home strikes a balance between comfort and quality -- quartz countertops, a cozy fireplace perfect for cooler coastal evenings, and plenty of storage throughout, including generous closets and a large garage. An outdoor shower makes rinsing off after the beach effortless. Whether you're looking for a primary residence, a vacation getaway, or a solid investment, this Surf City gem delivers the full coastal lifestyle -- views, location, space, and comfort. Opportunities like this on the Carolina coast are few, and they rarely wait.

515 N New River R Unit D, Surf City

Listing courtesy of Listing Agent: Stephanie Bolleyer () from Listing Office: Coldwell Banker Sea Coast Advantage.

$799,900

4 Beds ⋅ 4 Baths ⋅ 100582504 MLS

Located in the community of Shea's Landing, 104 Sunset Court offers coastal living just a two-minute walk from deeded beach access and a three-minute walk to the private community boat ramp with deep water access. Situated on a quiet cul-de-sac, this 4-bedroom, 3.5-bath home features a fully renovated kitchen with solid wood soft-close cabinetry, quartz countertops, and a subway tile backsplash! Additional updates include over $50K in recent renovations and a roof replaced in 2018! The elevated design places the main living space above the ground floor and opens to an oversized front porch that catches the ocean breeze; the kind of space where you'll spend half your time! The layout is designed for comfortable everyday living and easy entertaining, with generous indoor and outdoor spaces that make coastal living feel effortless! The ground level offers a private fourth bedroom with full bath, ideal for guests, a home office, or multi-generational flexibility, plus laundry and an oversized garage for parking and storage. The large lot includes a private backyard, offering a quiet setting that is increasingly hard to find on the island! Shea's Landing offers a relaxed residential atmosphere and does not permit short-term rentals. Residents enjoy deeded beach access as well as sound access to the Intracoastal Waterway via the private community boat ramp! The recently dredged canal provides excellent water access with ample depth for a wide range of boats, making it easy to spend time boating, kayaking, paddleboarding, or simply enjoying life on the coast! Conveniently located near Surf City's restaurants, shopping, and local attractions, this home combines the benefits of a private beachside community with easy access to everything the island has to offer! Low $37/month HOA!

104 Sunset Ct, Surf City

Listing courtesy of Listing Agent: Ariana Blevins () from Listing Office: Salt Marsh Properties.

$2,100,000

5 Beds ⋅ 3 Baths ⋅ 100581240 MLS

Welcome to 816 S Shore Drive, an extraordinary oceanfront home nestled within the highly coveted ''S-Curve'' of Surf City, NC. Properties of this caliber, in this precise location, are a rare find. Offering an unparalleled blend of coastal elegance, expansive living spaces, and front-row seats to the Atlantic Ocean, this pristine 5-bedroom, 3-bathroom beach house spans an impressive 2,774 square feet of meticulously maintained living space. For almost the past six years, this residence has been cherished exclusively as a private second home. Free from the wear and tear of the traditional rental market, the pride of ownership shines through every single detail. This home is offered fully furnished and turnkey, ready for you to immediately begin creating your own lifelong beachside memories or to launch a premier luxury rental. Step inside to an open concept main level where the ocean takes center stage. A wall of windows and slider doors floods the entire living and dining area with abundant natural light, creating picturesque views of the vast blue horizon. The chef's kitchen features an island topped with durable quartz, perfect for casual morning coffee or cooking and entertaining large groups. High-end stainless steel appliances, a gourmet gas oven and cooktop, and cabinetry make meal preparation an absolute pleasure. Decorated in a soothing, neutral paint palette, the homes feels bright, airy, and inherently peaceful. The living space transitions directly out to an expansive oceanfront deck, expanding your living space into the salty coastal air. Each deck on the home features low maintenance Trex composite decking. From the decks you will take in the stunning panoramic oceanfront views. Escape to a level of privacy rarely found in coastal architecture on the third floor. The entire back half of the upstairs level is dedicated exclusively to the primary en suite with room for an extra large king bed, and two additional private seating areas. This serves as a private oasis within the home, boasting its own exclusive, elevated deck overlooking the horizon giving the ultimate vantage point for watching dolphins play at sunrise or sipping evening wine under the stars. With panoramic views, generous closet space, and a spa-like en suite bathroom, this master retreat offers a quiet haven away from guests and family. Four additional thoughtfully designed bedrooms and two bathrooms ensure that everyone has their own comfortable space to unwind after a day in the sun and sand. Step directly from your private deck down a private Trex walkway onto the soft, sandy beaches of Surf City for a seamless day by the water, and rinse away the salt and sand afterward in the convenient outdoor shower. Parking and storage are not a concern. The property features an expansive driveway with ample room for parking, complemented by an enclosed lower level underneath the home. This versatile space provides secure parking for a vehicle or golf cart, alongside additional enclosed storage perfect for keeping your surfboards, kayaks, bikes, and beach gear. Peace of mind comes built in with this property, featuring strategically placed protective sandbags integrated into the dune structure to provide a robust, added layer of shoreline protection. The ''S-Curve'' is widely recognized as one of the most desirable sections of the island, known for its wide beaches, protective dunes, and close proximity to the local boutiques, restaurants, and the iconic Surf City Pier. Whether you are seeking a pristine secondary home, a permanent relocation to the coast, or a high-yielding investment property with immense short-term rental potential, this oceanfront gem stands ready to exceed expectations. Move right in, unpack your swimsuit, and let the ocean waves welcome you home. Schedule your private tour today to experience this masterpiece in person!

816 S Shore Dr, Surf City

Listing courtesy of Listing Agent: Zach W Lucas () from Listing Office: 910 Realty Co..

$2,275,000

4 Beds ⋅ 4 Baths ⋅ 100581170 MLS

One-of-a-kind residence situated directly on the Intracoastal Waterway, offering panoramic water views and an unmatched coastal lifestyle. Nestled beside the former site of the iconic Surf City Swing Bridge, a cherished landmark in Surf City history, this exceptional 4-bedroom, 3.5-bath home offers approximately 2,700 square feet of beautifully renovated living space thoughtfully designed to maximize both comfort and scenery. Perfectly positioned along Channel Marker 1, this property captures the heart of Surf City. Whether you're an avid boater, entertainer, or simply enjoy life on the water, this home delivers. Outside, you'll find a private boat dock featuring a 10,500-pound boat lift, an expansive entertaining dock, fire pit area, hot tub, in-ground swimming pool, covered cabana, composite decking, and solar accent lighting. Multiple decks along the side and rear of the home provide exceptional spaces to relax, entertain, and enjoy spectacular sunrises, unforgettable sunsets, passing boats, and views of the Surf City high-rise bridge. Inside, nearly every room showcases stunning water views and custom finishes throughout. Thoughtfully remodeled, the home features shiplap walls and ceilings, a gas stone fireplace, quartz countertops, ceramic wood-look tile flooring, marble finishes, and a spacious kitchen designed for gathering and entertaining. The kitchen is appointed with custom cabinetry, a gas cooktop, and a full suite of brand-new KitchenAid appliances, including a refrigerator, oven, microwave, and dishwasher. The primary suite serves as a private retreat, offering expansive Intracoastal Waterway views, a custom ceiling detail, and a French door leading to a private deck. The luxurious en suite bath includes marble flooring, a tiled shower, jetted tub, and a large walk-in closet. Imagine beginning your day with a sunrise over the water and ending it beneath the coastal sky from the comfort of your hot tub. Additional bedrooms offer their own unique perspectives, including beautiful sunset views and bridge vistas. One guest bedroom features elevator access and a French door opening to a deck, while the upstairs guest suite includes a private en suite bath with a jetted steam shower. The dining room, with deck access and sweeping water views, is highlighted by a custom mural honoring the iconic Surf City Swing Bridge, a meaningful tribute to the area's rich history and coastal charm. An elevator provides convenient access between levels, while the enclosed 2-car garage offers ample space for vehicles, golf carts, beach gear, and additional storage. The professionally landscaped grounds reflect the exceptional care and attention this property has received. Every detail has been thoughtfully maintained, creating a home that is as functional as it is beautiful. Rarely does a property offer this combination of luxury finishes, direct Intracoastal Waterway access, exceptional outdoor living spaces, and panoramic water views. More than a home, this is a one-of-a-kind opportunity to own one of Surf City's most remarkable waterfront properties.

702 Roland Ave, Surf City

Listing courtesy of Listing Agent: Ian Gray () from Listing Office: Better Homes and Gardens Real Estate Treasure.

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