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950 Cedar Cove Rd, Henderson, NC, 27537

3beds
2baths
1,520sqft
$649,000
$427price/sqft
$4,241/moest. monthly cost
$169,640/yrincome needed

About This Home

Fully renovated lakefront cottage offering exceptional waterfront living on Kerr Lake. This beautiful property features direct lake access, a private rebuilt dock, and a rare sandy beach--perfect for swimming, boating, and relaxing by the water. Enjoy stunning water views from this completely remodeled home, renovated from ceilings to floors, including new HVAC and new plumbing throughout. A hard-to-find waterfront opportunity combining modern upgrades with peaceful lake living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

4/10
3/10
1/10

Construction

Condition

  • Year built: 1977

Materials

  • Foundation: Block
  • Roof: Asphalt, Shingle
  • Construction materials: HardiPlank Type

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Bungalow
  • Property subType: Manufactured On Land,Residential,Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Electric Oven,Range Hood,Washer/Dryer,Water Heater

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Granite Counters,Kitchen Island,Walk-In Closet(s)
  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,520

Heating & Cooling

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

Interior Area

  • Total structure area: 1,520
  • Total interior livable area: 1,520 sqft

Property

Details

  • Parcel number: 0593A01017
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Enclosed,Screened
  • Exterior features: Dock
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Lake,Lake Front,Lake Privileges,Navigable Water,Waterfront
  • Waterbody name: Kerr Lake

Lot

  • Lot size: 10,454 sqft
  • Features: Cleared,Few Trees,Lake on Lot

Parking

  • Total spaces: 5
  • Parking features: Attached Carport,Carport,Covered,Deck,Driveway
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4
  • Carport: Yes
  • Carport spaces: 1

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 WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Vance 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 $3,281$39,372
Home Insurance *$292$3,504
Property Taxes $468$5,616
Electricity $200$2,405
Total$4,241$50,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$145,405/yr
40% on housing$127,230/yr
45% on housing$113,093/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$427This listing

vs Other Active Listings

Avg $/sqft

ZIP 27537$130
Vance County$116

vs Homes Sold Last Month

Median $/sqft

ZIP 27537$167
Vance County$167

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
2026-08-06Price change$629,000
2026-06-25Price change$649,000
2026-06-14Listed for sale$659,000
2026-06-14Listing removed$659,000
2025-12-26Listed for sale$659,000
2025-04-29Sold$230,000

For Sale by Agent

AgentChris Fisher
BrokerageeXp Realty, LLC - C

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