See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

108 Bay Tree Circle, Hampstead, NC, 28443

3beds
2baths
1,675sqft
$275,000
$164price/sqft
$1,714/moest. monthly cost
$68,560/yrincome needed

About This Home

Reduced Price. Welcome to 108 Bay Tree Circle, Hampstead, NC! This charming property is set in Pender County and offers easy access to a host of amenities and recreational activities. Located just two minutes from Hampstead Kiwanis Park, you'll enjoy outdoor adventures and excellent facilities right nearby. Boating fans will appreciate Sloop Point Marina being only four miles away, so you can be on the water within ten minutes. This well-maintained home boasts over 1675 square feet of living space. Tile flooring enhances the kitchen, foyer, bathrooms, and dining area, while tongue-and-groove vaulted ceilings, a wood burning fireplace, skylights, and an alarm system add comfort and security. Enjoy a bright and private Florida/great room, mature landscaping, and much more. Just minutes from the beach and four local golf courses, this three-bedroom patio home features a spacious Florida room and a large garage with storage. conveniently located near golf, Topsail Beach, and Surf City. Your new home sits within the sought-after Topsail Schools district, ensuring quality education for your children. Wilmington's bustling city life is about a 25-minute drive, where plenty of entertainment, dining, and shopping await. Golf lovers and those seeking outdoor fun will love the walking-distance proximity to a golf course and beer garden, with pickleball courts also close by. Military families benefit from a prime location, with New River Air Station just twenty minutes away and Camp Lejeune reachable in thirty-five minutes. The property includes a garage with Workshop for extra convenience. Don't miss your chance to call 108 Bay Tree Circle your new home--schedule a viewing today and discover all that Hampstead has for you.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

10/10
9/10
Surf City MiddleGrades 6-86.0 mi
8/10
Topsail High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Wood Siding,Wood Frame,See Remarks

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Trash Compactor,Washer,Refrigerator,Dryer,Dishwasher
  • Laundry features: Laundry Closet,Laundry Room

Basement

  • Basement: None

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Entrance Foyer,Ceiling Fan(s),Pantry,Blinds/Shades
  • Window features: Skylight(s),Thermal Windows
  • Flooring: LVT/LVP,Carpet,Laminate,Tile

Heating & Cooling

  • Heating features: Wall Furnace,Heat Pump,Fireplace(s),Electric,Forced Air
  • Cooling features: Wall/Window Unit(s),Heat Pump,Multi Units

Interior Area

  • Total structure area: 1,675
  • Total interior livable area: 1,675 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 42037945220000
  • Zoning: PD
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Patio,See Remarks,Glass Enclosed
  • Fencing: Metal/Ornamental,Block,Partial,Back Yard,Wood
  • Has view: Yes
  • View description: See Remarks
  • Frontage type: See Remarks
  • Living area range: 1600 - 1799

Lot

  • Lot size: 9,583 sqft
  • Lot size dimensions: 47 x 178 x 184 x 62

Parking

  • Total spaces: 2
  • Parking features: Workshop in Garage,Shared Driveway,Garage Faces Side,Detached,Concrete,Garage6,Garage7
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Winter Weather
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Ice Storm
Strong Wind

FEMA Declared Disasters in Pender County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

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

MonthlyAnnual
Mortgage $1,390$16,680
Home Insurance *$65$780
Property Taxes $59$708
Electricity $200$2,405
Total$1,714$20,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,765/yr
40% on housing$51,420/yr
45% on housing$45,706/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

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.

Insurance Growth Rate5-year average: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$164This listing

vs Other Active Listings

Avg $/sqft

ZIP 28443$271
Pender County$320

vs Homes Sold Last Month

Median $/sqft

ZIP 28443$220
Pender County$217

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)

No zestimate history available

Price History

DateEventPrice
2026-04-30Price change$299,900
2026-03-26Price change$315,000
2026-03-10Listed for sale$324,900
2016-11-02Sold$29,000
2016-10-14Pending sale$28,500
2016-10-10Listed for sale$28,500
2004-05-17Sold$116,000

For Sale by Agent

AgentCharles M Turner
BrokerageSeaShore Realty Group, Inc.

Similar Homes