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407 S King Street, Windsor, NC, 27983

6beds
4baths
4,850sqft
$349,000
$72price/sqft
$2,971/moest. monthly cost
$118,840/yrincome needed

About This Home

Charming historic home located in the picturesque Historic District of Windsor, recognized on the National Register of Historic Places. Built in 1890 and lovingly maintained by the Bell family for over a century, this large two-story, three-bay I-frame house combines classic elegance with modern comfort. The home features a beautifully renovated first floor, including a master bedroom with an ensuite bath, along with formal living and dining areas that preserve their original character. The 1946 renovation introduced a stunning two-story portico supported by square wooden columns. In 1989, further enhancements included a spacious rear wing, perfect for family gatherings, with a large kitchen and dining area boasting a charming bay window. Upstairs, four updated bedrooms feature insulation, drywall, and new windows. Completing this unique property is a one-story frame smokehouse in the backyard, perfect for storage or creative use. Experience the rich history and warmth of this remarkable home!

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

7/10
Windsor ElementaryGrades PK-51.3 mi
2/10
Bertie MiddleGrades 6-83.9 mi
4/10
Bertie HighGrades 9-124.2 mi

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Block
  • Roof: Architectural Shingle
  • Construction materials: Block,Vinyl Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic District
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Built-In Microwave,Washer,Refrigerator,Dryer,Disposal,Dishwasher
  • Laundry features: Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Master Downstairs,High Ceilings,Bookcases
  • Flooring: Carpet,Tile,Wood

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,850
  • Total interior livable area: 4,850 sqft

Property

Accessibility

  • Accessibility features: Accessible Entrance,Accessible Approach with Ramp

Details

  • Parcel number: 6802832096
  • Zoning: R-5 Single & 2 Family Res
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Open
  • Fencing: None
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • Waterfront features: None
  • Frontage type: See Remarks
  • Living area range: 4500 - 4999

Lot

  • Lot size: 0.37 Acres
  • Lot size dimensions: 80 x 212

Parking

  • Total spaces: 2
  • Parking features: Attached,Covered
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

FEMA Declared Disasters in Bertie 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 $1,764$21,168
Home Insurance *$406$4,872
Property Taxes $350$4,200
Electricity $451$5,420
Total$2,971$35,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,862/yr
40% on housing$89,130/yr
45% on housing$79,226/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: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$72This listing

vs Other Active Listings

Avg $/sqft

ZIP 27983$68
Bertie County$109

vs Homes Sold Last Month

Median $/sqft

ZIP 27983
Bertie County$82

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
2026-03-24Price change$349,000
2025-12-17Listed for sale$364,500
2016-12-28Sold$50,000

For Sale by Agent

AgentWallace Phillips
BrokerageKeller Williams Realty Points East

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