Topsail Island is composed of three towns. Each town has a very distinctive personality. They call Topsail Beach the Mayberry by The Sea because it is very laid back and has a great mixture of old beach cottages and new luxury homes. North Topsail Beach is nearly all residential and has some of the larges homes on Topsail. Surf City is where most of the "action" is; it has many restaurants, bars, and shopping.