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404 Kinroff Drive, Hubert, NC, 28539

4beds
3baths
2,951sqft
$415,000
$141price/sqft
$2,750/moest. monthly cost
$110,000/yrincome needed

About This Home

Finally--an affordable home perfectly suited for your growing family, located in a gated neighborhood with outstanding amenities with pool just down the street and conveniently set just inside the secondary gated back entry gate. A welcoming covered front porch leads into an open foyer and den, flowing seamlessly into a spacious great room where the whole family can cook, dine, and gather together. This well-designed 4-bedroom, 2.5-bath home features a large laundry room and pantry, offering both comfort and functionality. Step outside from the main living area to an open rear patio overlooking a private, fenced backyard complete with a freestanding shed--ideal for outdoor enjoyment and extra storage. Parking is abundant, with an enclosed two-car garage plus a wide parking pad that easily accommodates family and guests. Situated on a generous ¾-acre lot, this home is part of a gated community offering a pool, basketball court, and clubhouse--providing space, security, and amenities your family will love.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
Queens Creek ElementaryGrades PK-52.7 mi
5/10
Swansboro MiddleGrades 6-82.9 mi
8/10
Swansboro HighGrades 9-122.6 mi

Construction

Condition

  • Year built: 2013

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Stone,Vinyl Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Microwave,Refrigerator,Range,Dishwasher
  • Laundry features: Dryer Hookup,Washer Hookup,Laundry Room

Basement

  • Basement: None

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Den

  • Level: First

Dining Room

  • Level: First

Features

  • Walk-in Closet(s),Tray Ceiling(s),Solid Surface,Kitchen Island,Ceiling Fan(s),Pantry,Walk-in Shower,Blinds/Shades,Eat-in Kitchen,Walk-In Closet(s)
  • Flooring: LVT/LVP,Carpet

Heating & Cooling

  • Heating features: Heat Pump,Electric,Zoned
  • Cooling features: Zoned,Heat Pump

Interior Area

  • Total structure area: 2,951
  • Total interior livable area: 2,951 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 1307b107
  • Zoning: R-8M
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Front Porch
  • Fencing: Back Yard,Wood
  • Has view: Yes
  • View description: See Remarks
  • Waterfront features: None
  • Frontage type: See Remarks
  • Living area range: 2800 - 2999

Lot

  • Lot size: 0.73 Acres
  • Features: Level,Corner Lot
  • Lot size dimensions: 120 x 261 x 120 x 267

Parking

  • Total spaces: 2
  • Parking features: Concrete,Paved,Garage7
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Lightning
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Onslow 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 $2,098$25,176
Home Insurance *$153$1,836
Property Taxes $225$2,700
Electricity $274$3,298
Total$2,750$33,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,285/yr
40% on housing$82,500/yr
45% on housing$73,333/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 28539$137
Onslow County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 28539$171
Onslow County$173

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

DateEventPrice
2026-03-23Price change$415,000
2026-01-19Listed for sale$435,000
2024-11-19Listing removed$2,200
2024-10-15Price change$2,200
2024-08-07Listed for rent$2,300
2023-01-18Listing removed--
2023-01-10Price change$2,100
2022-11-29Price change$2,200
2022-10-28Price change$2,300
2022-10-11Listed for rent$2,500
2022-09-14Sold$365,000
2022-07-23Pending sale$365,000
2022-07-14Price change$365,000
2022-06-24Listed for sale$370,000
2019-07-28Listing removed$1,675
2019-07-12Price change$1,675
2019-06-24Listed for rent$1,700
2017-11-07Sold$244,000
2017-10-02Pending sale$249,900
2017-08-10Listed for sale$249,900
2014-04-08Sold$238,000
2013-08-20Listing removed$238,000
2013-04-04Listed for sale$238,000
2012-10-16Listing removed$231,000
2012-02-02Listed for sale$231,000
2011-12-04Listing removed$227,000
2011-09-10Listed for sale$227,000

For Sale by Agent

AgentDonald A Whiteside
BrokerageEmerald Isle Realty

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