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

$749,999

3 Beds ⋅ 3 Baths ⋅ 100616120 MLS

Waterfront Living in the Heart of Surf City! Enjoy the best of coastal living in this beautiful three-bedroom, three-bathroom soundfront townhome, ideally located in the heart of downtown Surf City. Take in peaceful sound views, relax on the inviting screened-in porch, cool off in your private pool, or enjoy direct waterfront access from your private dock. The thoughtfully designed reverse floor plan maximizes the views, with an open-concept upper-level living, dining, and kitchen area that seamlessly brings everyone together. Natural light fills the space, while the upper-level screened-in porch extends your living area outdoors, creating the perfect setting to enjoy coastal breezes and beautiful water views. Offering three spacious bedrooms, three full bathrooms, and the convenience of an elevator, this property delivers comfort, functionality, and the waterfront lifestyle you've been looking for. Location is everything! Enjoy being within easy walking distance of Surf City's restaurants, fishing pier, bridge, and Soundside Park. Whether you're looking for a coastal getaway, investment opportunity, or a place to call home, this is a property you won't want to miss!

419a N New River Dr, Surf City

Listing courtesy of Listing Agent: Joann Marie McDermon () from Listing Office: Better Homes and Gardens Real Estate Treasure.

$1,175,000

4 Beds ⋅ 5 Baths ⋅ 100615980 MLS

This Coastal Carolina waterfront beauty in Surf City, is 3 floors of positive vibes and natural light, ideal for rest, relax and recharge with family and friends. Majestic Marsh & ICWW Views allow you to be King & Queen of all that you survey. Fish of the end of the dock, quick walk to the beach for Surf and sand, or enjoy Frosty drinks pool side. This home is perfect for everyday living or Vacation Rental. Fully furnished and equipped with an elevator. Come taste Coastal SE NC.

117 Coastal Cay, Surf City

Listing courtesy of Listing Agent: Cisco Cardoso () from Listing Office: Cardoso & Company.

$990,000

5 Beds ⋅ 4 Baths ⋅ 100612700 MLS

Ocean Views and Private Deeded Beach Access on Surf City's Golden Mile! Homes like this rarely come to market on Surf City's coveted "Golden Mile." 811-A S. Shore Drive is a second-row half duplex with sweeping ocean views and private deeded beach access just 50 feet from the door. It also looks out over the sound and Intracoastal Waterway, so you get sunrise over the Atlantic and sunset over the marsh from the same home. The layout is designed around the water. The main living level has vaulted ceilings, walls of windows, and an open flow from the kitchen to the dining and living areas, which makes it easy to entertain while taking in the view. The top-floor bedroom is the standout, with a wall of windows framing the ocean and its own private bath. Altogether, the home offers 5 bedrooms, 4 full baths, and 2,360 square feet, including a primary suite with a private balcony and walk-in closet. Large front and back decks extend the living space outdoors, and an outdoor shower and ample parking make beach days easy. A metal roof, municipal utilities, and no HOA keep ownership simple. The home is offered fully furnished, with rental history available. It's ready to enjoy from day one as a primary residence, a second home, or an established investment on one of Topsail Island's most desirable stretches of beach.

811 S Shore Dr, Surf City

Listing courtesy of Listing Agent: Matthew Berglund () from Listing Office: Destination Realty Corporation, LLC.

$899,900

4 Beds ⋅ 5 Baths ⋅ 100612641 MLS

Welcome to Osprey Point in Surf City—an exceptional coastal community offering ocean views, private community pool access, and effortless island living just 1 mile from Surf City's center and pier. An identical townhouse in Osprey Point with no ocean views grossed over 100k in short term rental income in 2026, making this townhouse a great potential investment property! This meticulously decorated townhome features an open living concept with 4 spacious bedrooms, 4.5 baths, and an elevator providing convenient access to all levels. The first level includes a generous primary suite with a private deck, two additional bedrooms, a full bath, and a laundry closet. On the second level, you'll find the fourth bedroom with its own private bath, a half bath, and an inviting open living area that flows onto a second deck—ideal for entertaining or relaxing. The third floor offers a large bonus/rec room perfect for a game room, movie space, or gathering area, complete with ocean views from the terrace. An outdoor shower adds convenience after beach days, and the home's thoughtful décor enhances its coastal charm. This property is well suited as a rental, second home, or a place to enjoy island living year round.

1103 Sapphire Ave, Surf City

Listing courtesy of Listing Agent: Sean D McDonnell () from Listing Office: REAL Broker LLC.

$1,300,000

5 Beds ⋅ 4 Baths ⋅ 100610784 MLS

Build your coastal dream home in Topsail Cove, a marsh-front neighborhood in Surf City, NC, offering stunning sunset views and beach access just a few streets away. This proposed new construction concept is offered by local builder New Life Building Co., with pricing inclusive of both the lot and construction costs. The proposed 3,250-square-foot coastal home features 5 bedrooms, 4 bathrooms, and a reverse floor plan designed to make the most of the surrounding marsh views. Buyers can explore this plan or work with New Life Builders to create a custom home tailored to their needs. Contact us to learn more or schedule a builder consultation. The marsh-front lot is also available for purchase separately, MLS #100576009. This is a proposed custom build by New Life Building Co.. Pricing is based on 3,250 heated square feet.

W Wilmington Ave, Surf City

Listing courtesy of Listing Agent: Meredith Petty () from Listing Office: Intracoastal Realty Corporation.

$849,000

4 Beds ⋅ 4 Baths ⋅ 100608025 MLS

Welcome to Your Seashore Oasis! Discover coastal luxury in the heart of Surf City in this beautifully appointed, fully furnished townhome offering modern finishes, breathtaking sound views, and deeded beach access just across the street, with a 6 Seater Golf Cart!! Built in 2023, this stunning turnkey home features 4 spacious bedrooms and 4 full bathrooms, each with its own en-suite. Whether you're searching for a primary residence, second home, or rental investment, this property offers the perfect blend of comfort, style, and coastal location. The interior showcases modern luxury finishes, including board-and-batten accents, vaulted ceilings, and oversized windows that fill the home with natural light. The gourmet kitchen features stainless steel appliances, granite countertops, a generous island, with beautiful views of the expansive sound. This home is pristine and immaculate! Enjoy spectacular water views stretching to the Surf City High Bridge from your spacious decks. Imagine relaxing with your morning coffee, watching breathtaking sunsets, or taking in the coastal breezes surrounded by beautiful live oaks and local wildlife. Your deeded beach access is conveniently located just across the street! After a day in the sand and surf, rinse off in the oversized outdoor shower or unwind on the spacious ground-level patio. With three levels of outdoor living space, there are plenty of places to enjoy the coastal lifestyle. This home comes completely furnished and ready to enjoy, with kitchenware, glassware, towels, bed linens, and more. The first floor includes a large game room area, and there is a six-passenger golf cart waiting to be enjoyed. An oversized storage room for beach toys, chairs, and a large fishing gear rack, is all there and ready for your use. Simply bring your bags and head to the beach! This exceptional property, completely turnkey, will check all your boxes - WATER VIEWS GALORE! Located just minutes from downtown Surf City, restaurants, shopping, & local island attractions **SELLER ALSO HAS A 35' BOAT DRY STACK TO SELL - at nearby Topsail Yacht Club, Members also can enjoy the pool and spacious clubhouse CALL FOR MORE DETAILS **will have it's own MLS Listing The property goes all the way to a canal, CAMA has approved pier available to build, have to go thru CAMA for permitting, Property is close to .25 acres, largest lot in subdivision, water front

825a N New River Dr, Surf City

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

$949,000

3 Beds ⋅ 4 Baths ⋅ 100606843 MLS

Enjoy wide, unobstructed ocean views, deeded beach access, and an easy walk or bike ride to downtown Surf City from this beautifully furnished Dune Ridge townhome. Completed in 2024 and located on a quiet dead-end street, the home is close to restaurants and shops, with sidewalks the entire way. The layout includes two king suites, two bunk rooms, four full baths (three en suite), making it ideal for family, guests, or vacation rental use. Two spacious ocean-facing decks offer unobstructed ocean views and plenty of room to relax or entertain. More than $10,000 in high-quality outdoor furnishings across the decks and patio will convey. The sellers also added privacy walls around the oversized outdoor shower and a privacy fence alongside the patio. Never rented and very lightly used, the home is truly move-in ready and being sold fully furnished. Furniture, TVs, linens, kitchenware, dishes, glassware, utensils, washer and dryer, beach chairs, umbrellas, boogie boards, fishing gear, and more are included. Everything is in place so you can arrive, settle in, and start enjoying the beach. Inside, vaulted ceilings, quartz countertops, a large breakfast bar, shiplap accents, and board-and-batten details create a clean coastal feel. The spacious ground-floor entry serves as a mudroom, sitting area, and welcoming foyer. An elevator provides access to all three floors, with additional storage in the rear and beneath the stairs. Whether you plan to make it your primary residence, enjoy it as a second home, or use it as a short-term rental, this turnkey Surf City property is ready to go from day one. Preferred lender incentives are available; contact the listing agent for details.

711 N Topsail Dr, Surf City

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

$2,499,000

8 Beds ⋅ 10 Baths ⋅ 100606822 MLS

Experience unparalleled coastal luxury in this magnificent eight-bedroom water side estate, perfectly perched at one of the highest elevations on Topsail Island. Boasting panoramic views of both the ocean and tranquil Topsail Sound, this property offers the rare combination of a private oceanfront sitting area and a quiet community sound-front pier and dock. Start your day with breathtaking sunrises from three ocean-view decks, and wind down with stunning sunsets from three sound view decks. Designed for ultimate relaxation, this estate with outstanding rental history features private oceanfront beach access, a sparkling ocean-side pool, and a soothing hot tub. A modern elevator provides effortless access to all levels of this elegant, fully furnished home. The massive top-floor open-concept living area is an entertainer's dream, framed by walls of windows that capture sweeping water vistas. Host up to 22 guests with ease utilizing the expansive wrap-around granite bar and custom-appointed double living room seating. The upgraded gourmet kitchen is fully equipped for large gatherings, featuring double appliances throughout: two sinks, two refriger- ators, two dishwashers, and a double oven. Savor dinner overlooking spectacular sound view sunsets from either of the two separate dining areas. Retreat to one of the eight water-side bedrooms, each complete with its own ensuite bathroom for ultimate privacy. The first floor offers a versatile den area with an additional refrigerator, perfect for indoor entertaining. With covered parking for four vehicles beneath the home and ample additional space in the gravel drive, accommodating guests is a breeze. From world-class amenities to breathtaking vistas, this Topsail Island retreat truly has something for everyone.

100 Oleander Ct, Surf City

Listing courtesy of Listing Agent: Nick Phillips Group () from Listing Office: Landmark Sotheby's International Realty.

$789,900

3 Beds ⋅ 6 Baths ⋅ 100605971 MLS

**COASTAL LUXURY MEETS PANORAMIC SOUND VIEWS!** Perfectly positioned to capture sweeping views of the Intracoastal Sound and the iconic Surf City Bridge, this beautifully appointed 3-bedroom, 3-full-bath home offers the ultimate in relaxed coastal living. Just steps from the nearest beach access, you can easily trade your morning coffee for a stroll on the sand and spend your evenings taking in spectacular coastal sunsets from home. The reverse floor plan was thoughtfully designed to maximize the views, with the main living area elevated above the surrounding landscape and framed by high vaulted ceilings and an abundance of natural light. The open, airy feel creates an inviting space for entertaining or simply soaking in the scenery. The primary suite offers a private retreat of its own, complete with a private balcony overlooking the sound and a beautifully remodeled bathroom featuring a large soaking tub positioned to enjoy the view. Additional upgrades include hurricane shutters on all windows and doors, providing added protection and peace of mind while also resulting in reduced homeowners insurance costs. With its exceptional positioning, panoramic water views, thoughtful reverse-floor-plan design, remodeled primary suite, and unbeatable proximity to the beach, this Surf City retreat is perfectly suited for enjoying the best of coastal North Carolina living.

815 N New River Dr Unit B, Surf City

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

$925,000

4 Beds ⋅ 4 Baths ⋅ 100603568 MLS

Take a look at this stunning home in the Live Oaks of Topsail! Situated directly on the marsh at the S-curve in Surf City, this home has an unparalleled view over the creek and the marsh and out to the ICW. A hidden gem community with rare turnover, the neighborhood offers a pool and a community dock along with spill over parking. Beach access is easy, too! The first floor consists of three bedrooms and 2 baths, all beautifully decorated. One of two potential primary suites spans the water side of the home and boasts a private bath and private deck. On the second floor, a comfortable open floor plan is dominated by a spacious waterfront living area and a large kitchen. Added features like a half bath and large pantry are great touches. And the large deck overlooking the sound is the perfect spot to enjoy the sunset or sip on a cup of coffee. Head up to the top floor to see the second possible owners' retreat. You may not want to leave! Can you believe the views from this deck are even better? What a way to start your day! Decks on every level welcome you to enjoy the beauty and nature all around you. This house would function well as a residence, a second home or a rental. All you need is a packed suitcase - this fabulous home is fully furnished and move in ready. While not currently a rental, this gem was a strong producer in '21 and '22! Views to die for, furnished, short distance to town, quick access to the beach, a community dock and a community pool. What more could you need? Come see it in person!

111 Coastal Cay, Surf City

Listing courtesy of Listing Agent: Becky Filer () from Listing Office: Berkshire Hathaway HomeServices Carolina Premier Properties.

$875,000

4 Beds ⋅ 4 Baths ⋅ 100603536 MLS

Turnkey, fully furnished, and ready to enjoy, this 4-bedroom, 3.5-bath reverse-floor-plan beach home offers the ideal combination of a personal coastal retreat and vacation rental opportunity. Located just two blocks from the ocean and Public Beach Access #10, the home features sweeping marsh views, glimpses of the Atlantic, and an easy-to-enjoy Surf City location. The reverse floor plan places the main living spaces upstairs, maximizing the home's views. The vaulted great room flows into the kitchen and dining area, with new LED lighting throughout. The rear deck overlooks the marsh and provides a beautiful setting for sunsets, while the front decks capture refreshing ocean breezes and glimpses of the Atlantic. Recent improvements include five new PGT sliding glass doors with a DP60 design-pressure rating, a 2018 roof, new water heater, washer and dryer less than a year old, freshly painted interior, and newly painted front and rear decks. Two exterior HVAC units provide separate climate control. The ground level offers concrete parking, an outdoor shower, and an oversized 11' x 7' storage closet for surfboards, bikes, beach chairs, and coastal gear. Just one mile from the Surf City Pier and the Surf City bridge, featuring a 10-foot-wide multi-use path, the home provides convenient access to the island's restaurants, shopping, entertainment, and other attractions. The bridge's pedestrian- and bike-friendly path makes exploring Surf City and connecting to mainland amenities especially easy. Fully furnished and ready for immediate use, this is an opportunity to own a turnkey beach retreat that can generate rental income when you're not enjoying it yourself--combining personal enjoyment, coastal lifestyle, and investment potential.

1103 N New River Dr, Surf City

Listing courtesy of Listing Agent: Jim Adams () from Listing Office: Intracoastal Realty Corporation.

$1,190,000

5 Beds ⋅ 4 Baths ⋅ 100603029 MLS

Beautiful home. Beautiful views. Beautiful location. Welcome to coastal living at its finest! This stunning 5-bedroom, 4 bathroom home offers plenty of space to relax, entertain, and enjoy everything the coast has to offer. With porches and decks galore, you'll have no shortage of places to soak in the breathtaking views and refreshing coastal breezes...not to mention private beach access! Conveniently located, you are just moments away from dining, shopping, entertainment and local attractions. From peaceful mornings on the porch or deck, to unforgettable evenings by the water, this home offers the perfect blend of comfort, convenience, and coastal charm. Come experience the beauty of coastal living for yourself!

122 Atkinson Rd, Surf City

Listing courtesy of Listing Agent: Monica T Coleman () from Listing Office: Coastal Properties.

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Surf City Homes with Three Or More Levels

Newest Surf City Homes with Three Or More Levels

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