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1427 Mona Passage Court, New Bern, NC, 28560

4beds
4baths
2,115sqft
$375,000
$177price/sqft
$2,397/moest. monthly cost
$95,880/yrincome needed

About This Home

Presale New Construction on beautiful lot in X flood zone near the cul-de-sac in the waterfront community of Fairfield Harbour!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
Bridgeton ElementaryGrades PK-56.9 mi
4/10
West Craven MiddleGrades 6-813.4 mi
2/10
West Craven HighGrades 9-1214.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Crawl Space
  • Roof: Shingle
  • Construction materials: See Remarks

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Master Downstairs,Entrance Foyer,Ceiling Fan(s)
  • Fireplace features: None

Heating & Cooling

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

Interior Area

  • Total structure area: 2,115
  • Total interior livable area: 2,115 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 2053 299
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch
  • Fencing: None
  • Frontage type: See Remarks
  • Living area range: 2000 - 2199

Lot

  • Lot size: 0.32 Acres
  • Lot size dimensions: 80.84 x 180

Parking

  • Total spaces: 2
  • Parking features: On Site
  • 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

  • Hurricane
    HurricaneVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

FEMA Declared Disasters in Craven 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 $1,896$22,752
Home Insurance *$152$1,824
Property Taxes $149$1,788
Electricity $200$2,405
Total$2,397$28,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,182/yr
40% on housing$71,910/yr
45% on housing$63,920/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: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$177This listing

vs Other Active Listings

Avg $/sqft

ZIP 28560$160
Craven County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 28560$176
Craven County$171

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
2025-12-10Price change$375,000
2025-10-28Listed for sale$350,000
2025-09-24Listing removed$49,000
2025-09-05Contingent$49,000
2024-09-26Price change$49,000
2024-06-13Listed for sale$55,000
2024-05-10Contingent$55,000
2024-05-10Pending sale$55,000
2024-05-09Price change$55,000
2024-05-08Price change$434,900
2024-02-22Listed for sale$439,000
2023-09-28Pending sale$439,000
2023-09-25Price change$439,000
2023-01-05Price change$39,900
2022-12-14Price change$43,900
2022-11-11Price change$49,900
2022-10-27Listed for sale$53,900
2022-09-27Listing removed--
2022-09-24Price change$299,900
2022-03-31Pending sale$265,500
2022-03-22Price change$265,500
2022-03-15Listed for sale$253,500
2021-07-09Sold$13,500
2021-04-23Pending sale$13,900
2021-01-31Listed for sale$13,900
2021-01-04Pending sale$13,900
2006-06-07Sold$50,000

New Construction

AgentTeresa Morgan
BrokerageNorthGroup

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