Old Settlers Beach Homes with Two Levels

Welcome to Old Settlers Beach, a hidden gem nestled in the picturesque Onslow County, North Carolina. This charming subdivision offers the perfect blend of coastal living and suburban tranquility, making it an ideal destination for families, retirees, and anyone looking to enjoy the serene beauty of the North Carolina coastline.

Old Settlers Beach boasts a delightful selection of homes, many of which feature two levels, providing ample space for both relaxation and entertainment. These thoughtfully designed residences offer spacious floor plans that cater to a variety of lifestyles, whether you need a cozy nook for quiet evenings or expansive living areas for family gatherings. With modern amenities and stylish finishes, each home is a perfect canvas for creating your dream coastal retreat.

The community itself is a haven for outdoor enthusiasts, with easy access to pristine beaches, lush parks, and scenic walking trails. Residents can enjoy leisurely strolls along the shoreline, indulge in water sports, or simply bask in the sun on the sandy beaches. The welcoming atmosphere of Old Settlers Beach is complemented by friendly neighbors and a strong sense of community, making it a place where memories are made and cherished.

Conveniently located near shopping, dining, and top-rated schools, Old Settlers Beach offers the best of both worlds: a peaceful coastal lifestyle with all the modern conveniences at your fingertips. If you’re looking to invest in a home that encapsulates the essence of beachside living, look no further than Old Settlers Beach—where your dream home awaits!

Newest Old Settlers Beach Homes with Two Levels

$999,998

4 Beds ⋅ 3 Baths ⋅ 100615470 MLS

Beautiful Custom newer construction in a Prime location with Canal/Water views!! With over 2,100 Sqft., this home boasts 4 Bedrooms/3 baths and is situated on the very desirable 9th St. New Fortified roof Jan 2026! Beautiful porches span both sides of home on 2nd/3rd floors providing breathtaking views! Custom features to include wet-bar, 12x24-in Tiled Plank floors, 7-in base boards, Ship lap trim accents, a ground level landing zone for the Model LE elevator cab, and Smart Vent foundation vents for added protection. Heated/cooled storage room. Detached wired shed for extra storage. Mature landscaping/curbing. Single owner home that has never been a rental!

9021 W 9th St, Surf City

Listing courtesy of Listing Agent: Ashley ReBarker () from Listing Office: Rebarker Real Estate, LLC.

$1,250,000

6 Beds ⋅ 5 Baths ⋅ 100614679 MLS

Welcome to your dream coastal getaway! 1019 1st St in Surf City is the ultimate turnkey beach home, offering a sprawling layout with 6 bedrooms, 5 bathrooms, Plus a Bonus Room and over 2,600 heated square feet. Perfectly configured for hosting unforgettable large gatherings or serving as a high-performing rental investment, this property comes fully furnished so you can pack your bags and head straight to the beach. The thoughtfully designed multi-level floor plan prioritizes comfort, privacy, and accessibility, complete with an in-home elevator to easily navigate between floors. The second level features a quiet retreat with 3 bedrooms and bathrooms, while the third floor is an entertainer's paradise, boasting 4 additional bedrooms, 2 bathrooms, and a massive secondary living room perfect for game nights or movie marathons. Step outside to embrace seamless indoor-outdoor coastal living on the expansive main-level deck, the private deck off the third-floor living space, or the beautifully screened-in patio on the main level. For the ultimate outdoor lifestyle, this home is a true water lover's paradise, featuring a private boat dock and boat ramp right out back, while remaining just a short walk to the public beach access and the local park. Two separate single-car garages provide abundant storage for your vehicles, golf carts, surfboards, and water toys. Ideally located close to popular area restaurants and shops, this coastal gem is ready to help you make endless memories with friends and family.

1019 1st St, Surf City

Listing courtesy of Listing Agent: Jenna Morton () from Listing Office: Coldwell Banker Sea Coast Advantage.

$1,199,900

3 Beds ⋅ 3 Baths ⋅ 100610782 MLS

Experience waterfront coastal living in this beautifully maintained four-bedroom, three-bath Surf City home, where a deep-water canal, private boat slip, and backyard boat lift offer easy access to the Intracoastal Waterway--all just a short walk from Topsail's beautiful beach. The open living and dining areas create an inviting setting for gathering, complemented by a recently updated kitchen featuring leathered granite countertops, updated cabinetry, stainless steel appliances, and a generous island. Just off the kitchen, a light-filled sunroom offers a peaceful retreat or inspiring home office, with beautiful water views to enjoy from sunrise to sunset. A recently updated primary bath adds a fresh, refined touch. Outdoor living unfolds across multiple spaces designed for entertaining and unwinding. A deck connects the living room and sunroom to the coastal surroundings, inviting you to linger over morning coffee and watch the wildlife along the canal. Below, a covered patio with a bed swing, and hammock provides a relaxing escape, complemented by a spacious outdoor shower and separate paver patio. Expansive waterfront decking--including covered areas with fans, lighting, and wireless speakers--creates a welcoming setting for afternoons by the water. Cast a line from the dock, launch a paddleboard or kayak, or enjoy a swim, with a ladder providing convenient water access. For boating enthusiasts, the private boat slip features a Tide Tamer lift accommodating a boat up to 25 feet in length and weighing up to 10,000 pounds, complete with a GEM remote and limit switch. A recently added jet ski lift makes spontaneous outings even easier. Generous garage and driveway parking, dedicated storage, and a full bathroom at garage level add convenience. The garage also offers room for recreation and storage for for all your toys.

7097 7th St, Surf City

Listing courtesy of Listing Agent: Savannah L Holman () from Listing Office: SERHANT.

$925,000

5 Beds ⋅ 4 Baths ⋅ 100607289 MLS

Welcome to ''Surf City Oasis''which brought in 100K gross rental income for 2026. Guests leave wonderful reviews recognizing the recently remodeled features (look for list of upgrades in documents) comes fully furnished, and is truly a turn key investment. Floorplan features 2 bedrooms and 2 full baths on the 2nd floor with spacious family room/dining combo, kitchen features hard surface counters and soft close cabinetry. The stair case leads down to the ground floor living area with 3 bedrooms and full bath, efficiency kitchen area, and you have the option of renting it separtely as short term or long term,or keep that floor for yourself. Use the dedicated beach access easement to go to the beach, or canal. Fully fenced in backyard offers tiki bar/gazebo with hot tub, firepit, and plenty of room for your furry friends. Short walk to the beach or canal, shopping or restaurants dont let this one slip away.

1720 N New River Dr, Surf City

Listing courtesy of Listing Agent: Jackie L James () from Listing Office: Coastal Carolina Real Estate.

$575,000

3 Beds ⋅ 2 Baths ⋅ 100601547 MLS

Don't miss this opportunity to own a piece of the coast at a price that makes sense! 1513 Easy Street is truly a local's choice, offering an unbeatable combination of location, parking, lot size, and affordability. Just minutes from a popular beach access featuring no stairs and convenient outdoor showers, making those quick trips to the beach easy for everyone. You're also just one block from a neighborhood park, perfect for the kids, while several nearby local watering holes provide the perfect place to unwind, grab a drink, and enjoy live music. One of the property's biggest advantages is the lack of first-floor living space, which can help make flood insurance more affordable while still providing plenty of useful space below. There's also loads of parking, making it easy to accommodate family, friends, boats, golf carts, and beach gear. And don't overlook the larger-than-average lot--a rare opportunity on the island. There's room to create additional outdoor living space, expand the home, add a deck, or simply enjoy more room to spread out. Great location. Great lot. Great potential. And a price that makes this one worth taking a serious look at. Whether you're looking for a coastal getaway, investment opportunity, or your own place near the beach, 1513 Easy Street deserves a spot on your must-see list! *square-footage for the uppermost room is not included in listed square-footage.

1513 Easy St, Surf City

Listing courtesy of Listing Agent: Brandon J Batson () from Listing Office: Coastal Realty Associates LLC.

$988,500

4 Beds ⋅ 3 Baths ⋅ 100590268 MLS

Coastal Paradise Fully Furnished and Rental Ready! Experience the best of coastal living in this stunning 4-bedroom, 3-bath home offering 2,295 square feet of beautifully designed living space with breathtaking views. Whether you're looking for a full-time residence, a luxurious vacation retreat, or a proven investment property, this exceptional home checks every box. Sold completely furnished, it's ready for you to move in or continue generating rental income from day one. The spacious, open-concept floor plan is designed for entertaining and relaxing, with abundant natural light and multiple living areas that comfortably accommodate family and guests. Step outside onto the expansive decks, where you can enjoy spectacular sunrises over the ocean, and refreshing coastal breezes throughout the day. Owners added an oversized outside shower, a drive thru utility building big enough for a 6 person golf cart, as well as plenty of room for a lawn mower and other storage. The storage area has a fridge and a separate room for chairs and etc. and a patio with firepit to enjoy on those nice evenings with family or guests. After a day at the beach, rinse off in the convenient outdoor shower before gathering with friends and family to enjoy everything this coastal retreat has to offer. This property also boasts an established rental history, making it an outstanding opportunity for investors seeking immediate income potential while still enjoying personal use throughout the year. Wake up to the sights and sounds of the coast, spend your days enjoying the beach, and create lasting memories in this exceptional home. Whether you're searching for a high-performing investment or your own private seaside escape, this coastal gem offers the perfect combination! Hot water Heater replaced in 2024, one of the HVAC units was replaced in June 2024

1710 N New River Dr, Surf City

Listing courtesy of Listing Agent: Rita B Suggs () from Listing Office: Topsail Palms Properties LLC.

$1,049,000

3 Beds ⋅ 3 Baths ⋅ 100584283 MLS

Rare Topsail Island waterfront opportunity with deep-water boating access at all tides, a private boat lift, and a short walk to the beach! This beautifully renovated Surf City canal-front home offers the best of coastal living, combining incredible boating convenience, beautiful sunset views, and easy beach access. One of this property's most desirable features is its deep-water canal frontage, allowing boating access even at the lowest tides. No need to plan your adventures around the tide! Keep your boat on your private lift right in the backyard, ready for spontaneous fishing trips, sunset cruises, and days exploring the waterways surrounding Topsail Island. When you're ready for the beach, enjoy a short walk to public beach access featuring restrooms, a park, and an accessible ramp with no stairs. Inside, this 3-bedroom, 2-bath home has undergone extensive renovations in 2026, creating a beautiful, modern coastal retreat. The open-concept living area features stunning shiplap ceilings with a center beam, recessed lighting, and premium LVP flooring throughout. The completely updated kitchen is perfect for entertaining, featuring a large island with seating for six, granite countertops, new soft-close cabinetry, upgraded pantry storage, a six-burner gas range with convection and air-fry oven, and an exterior-vented range hood. Both bathrooms have been beautifully updated with quartz countertops, modern fixtures, and a custom tiled walk-in shower in the primary suite. Additional improvements include fresh paint, updated lighting, ceiling fans, and hardware throughout. This home is thoughtfully equipped for coastal living with a metal roof, storm shutters, storm windows, thermal doors, a whole-home standby generator, propane heating, gas cooking, and a tankless water heater. Outdoor living is equally impressive, featuring a screened-in deck, composite decking, covered lower-level spaces, fenced yard, irrigation system, and cargo lift. A fully wired waterside workshop with a half bath and custom shelving provides excellent storage for boating gear, beach equipment, and hobbies. Located in a peaceful section of Surf City, you'll enjoy a relaxed coastal atmosphere while remaining close to restaurants, shopping, and everything Topsail Island has to offer. Your boat in the backyard, the beach a short walk away, and a beautifully updated home ready to enjoy! Whether you're looking for a primary residence, second home, or waterfront getaway, this property offers a rare combination of location, lifestyle, and thoughtful upgrades. Sellers are offering $5,000 toward buyer closing costs for buyers able to close by November 30, 2026!

1023 1st St, Surf City

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

$959,000

3 Beds ⋅ 2 Baths ⋅ 100583279 MLS

--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

1041 1st St, Surf City

Listing courtesy of Listing Agent: Glynda Bradshaw () from Listing Office: Ward Realty Corp.

$975,000

8 Beds ⋅ 4 Baths ⋅ 100581885 MLS

Rare opportunity to own a quadruplex, a ''unicorn'' in Surf City. Set on a desirable corner lot, 2nd Row from beach, each of the four units offers a comfortable 2-bedroom, 1-bath floor plan at 768 square feet- a layout coastal renters actively seek out. Eight parking spaces plus a garage give this property a significant edge in a beach town where parking is scarce. The property is being sold as-is with some work to be done, making it a true value-add play for the right buyer. Updates and improvements here have real upside potential. You're steps from the ocean in one of the Carolina coast's most active rental markets. Three of the Four units are currently occupied, so your investment generates income immediately while you plan improvements at your own pace. Live in one unit and let the other three help carry the load, or hold all four as rentals and let Surf City's strong beach tourism do the rest. Either way, the potential here is hard to replicate at this price point and proximity to the water.

1518 Easy St Unit A - D, Surf City

Listing courtesy of Listing Agent: Stephanie Bolleyer () from Listing Office: Coastal Realty Associates LLC.

$610,000

2 Beds ⋅ 1 Baths ⋅ 100570015 MLS

RARE SURF CITY TWO-UNIT BEACH PROPERTY -- $659,000 Two completely separate 2-bedroom, 1-bath living spaces just one block from the beach! Welcome to a unique Surf City opportunity offering the flexibility, space, and income potential that beach buyers rarely find in one property. This property features two completely separate living spaces, each offering 2 bedrooms and 1 full bath, full kitchen, living room and washer/dryer hookups, providing an exceptional setup for multi-generational living, a second home with guest accommodations, or an investment property with rental potential. 1,762 total finished square feet across two independent levels. The upper level is approximately 881 sq. ft; the lower level adds an additional 881 finished legal sq. ft. and is separately accessed. Each level has Independent climate control air conditioning and air handlers. Both levels come fully furnished for a turn key rental opportunity or stress free move in experience. Never pay for beach parking again with off street parking with positions for 4 vehicles just a minutes walk from both the Topsail Beach front and Intercostal Waterway. Enjoy the sea breeze and sunrise over morning coffee or sunset dinners on the elevated wrap around deck at your very own beach get away.

8007 8th St, Surf City

Listing courtesy of Listing Agent: Rachel Q Kerlin () from Listing Office: Intracoastal Realty Corporation.

$1,088,500

4 Beds ⋅ 2 Baths ⋅ 100569742 MLS

Welcome to ''Serenity by the Sea'' -- a rare oceanfront opportunity in the highly sought-after Old Settlers Beach section of North Topsail Beach, where charming coastal character, direct beachfront living, and proven rental performance come together beautifully. YOUR OWN PRIVATE BEACH ESSENTIALLY--rare location. Potential $110,000 gross. Perfectly positioned on nearly private oceanfront lot with private beach access, this beautifully updated 4-bedroom, 2-bath coastal retreat offers the ideal blend of personal getaway and investment property. With approximately 1,300+ heated square feet, this home maximizes every inch with a desirable reverse floor plan designed to showcase breathtaking Atlantic Ocean views from the main living spaces. The upper level features an open-concept kitchen, dining, and living area filled with natural light, vaulted ceilings, and expansive oceanfront decking where sunrise coffee and evening ocean breezes become part of daily life. Updated finishes, solid surface countertops, coastal-inspired interiors, and spacious entertaining areas create an inviting atmosphere for owners and guests alike. The home's flexible layout includes multiple ocean-view bedrooms, dual covered and open decks, outdoor gathering spaces, and direct access to one of North Topsail's widest stretches of sandy shoreline. Whether enjoying the deck swing, outdoor seating areas, or panoramic views, this property captures the true essence of beachfront living. Highlights Include: Direct oceanfront location in Old Settlers Beach 4 bedrooms / 2 baths Reverse floor plan for elevated views Expansive multi-level decking Private beach walkway Strong vacation rental potential Updated kitchen and interior finishes Turnkey furnished coastal retreat Covered parking and outdoor storage Ideal second home, investment property, or primary beachfront residence Located in one of North Topsail Beach's most desirable niches, Old Settlers Beach is known for its quieter setting, strong rental demand, and proximity to Surf City dining, shopping, and entertainment while maintaining a more private coastal feel. Comparable recent sales in this niche continue to demonstrate strong demand for well-positioned oceanfront homes, especially those offering charm, updated interiors, and rental flexibility. () Whether you're seeking a proven income-producing asset, family beach escape, or your own piece of Topsail Island paradise, 238 Topsail Road delivers the location, views, and lifestyle buyers dream about. Experience oceanfront living where every day feels like vacation.

238 Topsail Rd, North Topsail Beach

Listing courtesy of Listing Agent: Jay A Seville () from Listing Office: Ocean Views Real Estate, Inc..

$1,265,000

5 Beds ⋅ 3 Baths ⋅ 100542826 MLS

Welcome to your turnkey Surf City beach escape! Just a short stroll from the sand, this beautifully furnished 5-bedroom, 3-bath home offers 3,169 sq ft of bright, spacious living--and now comes with even more to love. The seller has purchased a brand-new 2026 four-passenger STREET-LEGAL golf cart with LED lighting and Bluetooth speakers, and it will convey with the home along with the furnishings! Step inside to an open, light-filled interior where expansive windows, three clear-view windows, and beautiful transom accents create an airy coastal feel throughout. With plenty of room to spread out, gather, and entertain, this home was made for enjoying time at the beach with family and friends. At the heart of the home is a dream kitchen featuring a galley sink, oversized island, abundant workspace, and plenty of room for everyone to gather. The primary suite offers a relaxing retreat of its own, complete with a spa-inspired bath, freestanding soaking tub, and ceramic-tile walk-in shower. Five spacious bedrooms and three full baths provide exceptional flexibility for a primary residence, second home, or vacation rental. Even better, this property has a great Airbnb rental history, giving buyers an opportunity to own a beach home that has already proven its appeal to vacation guests. A single-car garage adds extra convenience and storage, while the included street-legal golf cart makes cruising around Surf City and heading to the beach part of the fun. Fully furnished, great Airbnb history, walking distance to the beach AND a brand-new 2026 street-legal golf cart included--this one is truly ready to enjoy from day one. Whether you're looking for your own coastal retreat or an investment opportunity, this Surf City home delivers the space, location, and extras that make beach living even better.

3011 3rd St, Surf City

Listing courtesy of Listing Agent: Robin E Mills () from Listing Office: Coldwell Banker Sea Coast Advantage-Leland.

Start Your Search

Provided courtesy of The Coastal Carolinas Association of REALTORS®. Information Deemed Reliable but Not Guaranteed. Copyright 2026 of the Coastal Carolinas Association of REALTORS® MLS. All rights reserved. Information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Copyright 2026 NCRMLS. All rights reserved. North Carolina Regional Multiple Listing Service, (NCRMLS), provides content displayed here (“provided content”) on an “as is” basis and makes no representations or warranties regarding the provided content, including, but not limited to those of non-infringement, timeliness, accuracy, or completeness. Individuals and companies using information presented are responsible for verification and validation of information they utilize and present to their customers and clients. NCRMLS will not be liable for any damage or loss resulting from use of the provided content or the products available through Portals, IDX, VOW, and/or Syndication. Recipients of this information shall not resell, redistribute, reproduce, modify, or otherwise copy any portion thereof without the expressed written consent of NCRMLS.

Old Settlers Beach Homes with Two Levels

Newest Old Settlers Beach Homes with Two Levels

How much is your home worth?

How much is your home worth?