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319 Cedar Island Trail, Holly Ridge, NC, 28445

3beds
3baths
1,619sqft
$255,000
$158price/sqft
$1,760/moest. monthly cost
$70,400/yrincome needed

About This Home

Welcome to 319 Cedar Island Trail in The Landing at Folkstone, a beautifully maintained townhome tucked away on a quiet cul-de-sac in Holly Ridge. This 3-bedroom, 2.5-bath home offers a spacious and functional layout designed for comfortable everyday living. The main level features attractive LVP flooring and a stylish kitchen with granite countertops and brand new appliances, perfect for cooking and entertaining. Upstairs, the generous primary suite boasts a large walk-in closet and a well-appointed bathroom with a dual vanity, soaking tub, and separate walk-in shower. Two additional bedrooms and a full bath provide plenty of space for family or guests, while a convenient half bath is located downstairs. Enjoy relaxing evenings in the screened-in patio and some additional privacy with a fenced-in backyard. With a low HOA and a desirable location close to area beaches, shopping, and dining, this townhome is an exceptional opportunity to enjoy coastal living at its finest.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

10/10
Coastal ElementaryGrades PK-51.1 mi
7/10
Dixon MiddleGrades 6-84.2 mi
4/10
Dixon HighGrades 9-124.5 mi

Construction

Condition

  • Year built: 2014

Materials

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

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Electric Oven,Electric Cooktop,Built-In Microwave,Refrigerator,Dishwasher
  • Laundry features: Laundry Closet

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Walk-in Closet(s),High Ceilings,Ceiling Fan(s),Pantry,Walk-in Shower,Walk-In Closet(s)
  • Flooring: LVT/LVP,Carpet,Tile,Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 1,619
  • Total interior livable area: 1,619 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 747c80
  • Zoning: R-15
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Patio,Screened
  • Fencing: Full,Back Yard,Vinyl
  • Has view: Yes
  • View description: See Remarks
  • Frontage type: See Remarks
  • Living area range: 1600 - 1799

Lot

  • Lot size: 2,178 sqft
  • Features: Cul-De-Sac
  • Lot size dimensions: 20 x 110 x 17 x 110

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,Additional Parking,Concrete,Garage Door Opener,Assigned,Lighted,Off Street,On Site,Paved
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Hurricane
    HurricaneVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $1,289$15,468
Home Insurance *$62$744
Property Taxes $209$2,508
Electricity $200$2,405
Total$1,760$21,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,342/yr
40% on housing$52,800/yr
45% on housing$46,933/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

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 28445$331
Onslow County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 28445$235
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
2026-04-27Price change$255,000
2026-04-14Price change$257,999
2026-02-12Listed for sale$259,999
2024-10-04Sold$259,999
2024-08-19Contingent$259,999
2024-08-09Price change$259,999
2024-07-17Listing removed--
2024-07-11Listed for sale$260,000
2024-06-18Price change$1,695
2024-05-07Price change$1,700
2024-04-24Listed for rent$1,800
2021-01-12Listing removed--
2021-01-04Listed for rent$1,395
2020-09-28Listing removed$1,395
2020-09-10Listed for rent$1,395
2016-06-13Sold$94,900
2016-05-01Pending sale$94,900
2016-04-20Listed for sale$94,900

For Sale by Agent

AgentAmber Harris
BrokerageIntracoastal Realty Corporation

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