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115 Pine Street, Camden, NC, 27921

3beds
2baths
1,995sqft
$440,000
$221price/sqft
$2,713/moest. monthly cost
$108,520/yrincome needed

About This Home

Exceptional opportunity in the desirable Piney Acres subdivision in Camden, located on highly sought after Pine Street and situated on nearly a full acre of land! This spacious 3 bedroom, 2 bathroom home offers the perfect blend of comfort, functionality, and endless potential. Inside, you'll find an eat-in kitchen with a charming breakfast nook, a formal dining room ideal for gatherings, and a generously sized great room designed for entertaining family and friends. The heated and cooled sun porch provides year-round enjoyment and overlooks the backyard with direct outdoor access. A 2 car attached garage includes built-in tool storage for added convenience, while the unfinished room above the garage presents an excellent opportunity for a home office, bonus room or guest space. The second floor offers even more expansion potential with space for multiple additional rooms and abundant storage. Nestled on a large lot with room to grow, garden, or create your dream outdoor oasis, this property is packed with possibilities. All appliances convey as-is. Excellent location in the heart of Camden with a rare chance to customize and add value-don't miss this one!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
5/10
Camden MiddleGrades 6-83.3 mi
5/10
Camden County High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1996

Materials

  • Foundation: Brick/Mortar
  • Roof: Shingle
  • Construction materials: Brick Veneer,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Washer,Refrigerator,Dryer,Dishwasher,Electric Range
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Master Downstairs,Walk-in Closet(s),Entrance Foyer,Ceiling Fan(s),Pantry,Blinds/Shades,Eat-in Kitchen,Walk-In Closet(s)
  • Flooring: LVT/LVP,Carpet
  • Attic: Attic Fan,Floored,Permanent Stairs,Walk-In

Heating & Cooling

  • Heating features: Propane,Electric,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,995
  • Total interior livable area: 1,995 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Sunroom

  • Level: First

Property

Details

  • Parcel number: 02.8934.01.35.8098.0000
  • Zoning: RR
  • Special condition: Standard

Features

  • Levels: One
  • Pool features: None
  • Patio & porch: None
  • Fencing: None
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 1800 - 1999

Lot

  • Lot size: 0.92 Acres
  • Features: Level,Rectangular Lot
  • Lot size dimensions: 110 x 365ft

Parking

  • Total spaces: 5
  • Parking features: Garage Faces Front,Garage Door Opener,Garage
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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

  • Winter Weather
    Winter WeatherVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

FEMA Declared Disasters in Camden 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 $2,224$26,688
Home Insurance *$145$1,740
Property Taxes $144$1,728
Electricity $200$2,405
Total$2,713$32,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,017/yr
40% on housing$81,390/yr
45% on housing$72,346/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.1%
6.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$221This listing

vs Other Active Listings

Avg $/sqft

ZIP 27921$169
Camden County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 27921$213
Camden County$222

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
2026-08-14Price change$399,000
2026-05-12Listed for sale$440,000

For Sale by Agent

AgentSamuel Davis
BrokerageSam Davis & Associates Realty

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