See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

186 Charleston Dr Lot 156, Grandy, NC, 27939

4beds
4baths
2,578sqft
$529,900
$206price/sqft
$3,263/moest. monthly cost
$130,520/yrincome needed

About This Home

Call the Carolina Club home at 186 Charleston Dr. A 2022-built home offering 4 bedrooms plus a bonus room, thoughtfully designed with a more traditional layout that provides defined living spaces for comfort and functionality. The home blends a modern build with farmhouse-inspired style, creating a warm and inviting atmosphere complemented by the convenience of a 2-car garage, ample storage and well-proportioned interiors. Residents of this established community enjoy access to a range of amenities including a pool, clubhouse, boat ramp, tennis courts, restaurant, and golf course, enhancing the overall experience. Positioned for those seeking a newer home with character in a neighborhood known for its recreational offerings, this property may appeal to buyers looking for a primary residence or coastal-adjacent retreat with room to relax. With its balance of charm, space, and community features, this home presents an opportunity for buyers drawn to a lifestyle that combines everyday comfort with neighborhood amenities.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
W T Griggs ElementaryGrades PK-53.1 mi
4/10
Currituck County MiddleGrades 6-810.6 mi
3/10
Currituck County HighGrades 9-1210.6 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Frame,Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farm House
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range/Oven,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • Partial bathrooms: 1

Features

  • Pantry

Heating & Cooling

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

Interior Area

  • Total structure area: 2,578
  • Total interior livable area: 2,578 sqft

Property

Details

  • Zoning: AG

Features

  • Pool features: Association
  • Waterfront features: None

Lot

  • Lot size: 0.46 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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

  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Winter Weather
Coastal Flooding
Hurricane
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Currituck 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 $2,679$32,148
Home Insurance *$137$1,644
Property Taxes $207$2,484
Electricity $240$2,881
Total$3,263$39,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,874/yr
40% on housing$97,890/yr
45% on housing$87,013/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.7%
6.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$206This listing

vs Other Active Listings

Avg $/sqft

ZIP 27939$220
Currituck County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 27939$261
Currituck County$245

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
2026-05-09Listed for sale$549,900
2021-01-25Sold$39,000
2020-10-27Pending sale$41,000
2020-10-27Contingent$41,000
2020-08-06Listed for sale$41,000

For Sale by Agent

AgentKirsten Shackelford
BrokerageSERHANT

Similar Homes