8014 8th Street, Surf City, NC, 28445
About This Home
NO HOA!!! Motivated Seller! Coastal Living at Its Finest - Canal Beauty Just One Block from the Beach! Welcome to 8th Street, where the serene charm of canal life meets the vibrant energy of Topsail Island's Surf City! This stunning 4-bedroom, 3-bathroom coastal retreat offers the perfect blend of luxury, location, and lifestyle. Step inside this reverse floor plan home and head to the top floor where you'll find a spacious, light-filled living area and kitchen, perfectly positioned to capture gorgeous views of the ocean, canal, and Intracoastal Waterway. The primary suite, also on the top level, boasts its own private balcony, offering a front-row seat to breathtaking sunsets—and even Fourth of July fireworks from the upper deck! This home is built for both comfort and entertaining. Enjoy four expansive balconies—two oversized on the front of the home, and two private off the bedrooms in the back. Two of the bedrooms are oversized en-suites, making this layout ideal for multi-generational living or high-end vacation rental appeal. Outdoor living shines here with a custom-built bar, a full shell patio under the home, and a shed for extra storage (plus a second plastic shed for your beach gear). With parking for up to ten vehicles—three under covered areas—there's room for everyone. This property was lovingly maintained as a primary residence but has excellent rental potential for those seeking investment opportunities in the high-demand Surf City market. Enjoy peace of mind with a generator hookup, and take in the laid-back coastal lifestyle with walkable beach access just one block away. Whether you're looking for a full-time home, vacation getaway, or investment property—this canal front gem checks all the boxes!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2005
Materials
- Foundation: Other,Pilings
- Roof: Architectural Shingle
- Construction materials: Vinyl Siding,Wood Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Refrigerator,Dishwasher
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Entrance Foyer,Generator Plug,Ceiling Fan(s),Reverse Floor Plan,Blinds/Shades
- Flooring: LVT/LVP,Carpet,Tile
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Central Air
Interior Area
- Total structure area: 1,784
- Total interior livable area: 1,784 sqft
Property
Details
- Parcel number: 80496
- Zoning: MHS
- Special condition: Standard
Features
- Levels: Three Or More
- Stories: 3
- Patio & porch: Covered,Deck,Balcony
- Exterior features: Outdoor Shower
- Fencing: None
- Has view: Yes
- View description: Canal,ICW,Ocean,Sound
- Has water view: Yes
- Water view: Canal,Ocean,Sound
- Waterfront features: Boat Ramp,Deeded Beach Access
- Living area range: 1600 - 1799
Lot
- Lot size: 6,534 sqft
- Features: Boat Ramp,Deeded Beach Access
- Lot size dimensions: 51 x 122 x 52 x 122
Parking
- Parking features: Covered,Gravel,Concrete,On Site
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Hurricane
- Winter Weather
- Lightning
- Strong Wind
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Onslow County and North Carolina
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,529 | $42,348 |
| Home Insurance * | $171 | $2,052 |
| Property Taxes | $380 | $4,560 |
| Electricity | $200 | $2,405 |
| Total | $4,280 | $51,360 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-22 | Price change | $715,000 |
| 2026-03-09 | Price change | $725,000 |
| 2025-11-14 | Price change | $750,000 |
| 2025-11-05 | Price change | $775,000 |
| 2025-10-17 | Listed for sale | $785,000 |
| 2025-09-15 | Listing removed | $785,000 |
| 2025-08-27 | Price change | $785,000 |
| 2025-08-07 | Price change | $790,000 |
| 2025-07-24 | Price change | $795,000 |
| 2025-06-10 | Price change | $799,000 |
| 2025-05-27 | Price change | $800,000 |
| 2025-05-16 | Price change | $830,000 |
| 2025-04-30 | Price change | $840,000 |
| 2025-04-11 | Listed for sale | $850,000 |
| 2016-08-16 | Sold | $249,900 |
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