This is a surfer-style beaded necklace featuring cream-colored disc beads accented with bright turquoise round stones and dark brown spacers.

The close-up image reveals that the white components are natural shell disc beads (heishi), which feature slight, organic variations in thickness and texture rather than perfectly uniform plastic shapes. The brown spacers appear to be polished coconut shell or horn, and the blue accents are dyed stone or turquoise composites.

Because the materials are natural shell rather than synthetic plastic, the value sits firmly in the $20 to $45 range, depending entirely on its age and the style of its clasp.

• If it has a vintage brass screw/barrel clasp (1970s–1980s): This adds collectible appeal as a genuine retro piece, pushing its value toward the higher end of $35 to $45.

• If it has a modern stainless steel lobster claw or extension chain: This positions it as a contemporary boutique or handmade item, valuing it around $20 to $30.