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2042 Nc Highway 45 N, Colerain, NC, 27924

3beds
1baths
2,007sqft
$135,000
$67price/sqft
$1,116/moest. monthly cost
$44,640/yrincome needed

About This Home

Homesteader meets Victorian dream. On one acre with plenty of farm views. Built in 1946 original White Family farmstead. 2nd owners. Renovated with modern necessities and finishes. *Bathroom and Hallway unfinished* There is a tub and shower also toilet but vanity wall needs completion. Stairs and hallways usable but need finishing. Rebuilt floors with slate stone in the kitchen/pantry, tile in bathroom and hardwood throughout the rest of the house. New metal roof. Fully insulated. 75% original doors and hardware. Vaulted ceiling adds space to a smaller chef's kitchen with restaurant style gas range/double oven. Food service refrigeration prep table. Full pantry with laundry, utility sink, freezer, shaker cabinet storage and wood stove. English post modern dining room with chandelier. The room features a gas fireplace with mantle that connects to living room. One and a half front porches with attached swing seating gives access to living area. Off the bathroom his and hers dressing room with walk in closets and access to the master suite. Two loft upstairs bedrooms with drop ceiling/boat ceilings, closets and custom door accessible attic entrances for maximum storage. Grounds come with 2 new shed/detached buildings. Restored original storage building with 3 divided bays. Livestock capable with 3 bay chicken house and 3 fenced smaller custom coops. Fenced garden area with building suitable for small livestock. Orchard grounds complete with Victorian bench seating and some decorative fencing. Grapevine, peach tree, apple tree, blueberries, and pear tree. Yard has large beautiful Azaleas, dogwood tree, pecan tree and black berry bushes. PEX pipes. Fully updated plumbing and electrical. Tankless water heater. No central air/heating. Well water with septic.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Colerain ElementaryGrades PK-52.6 mi
3/10
Bertie MiddleGrades 6-813.0 mi
3/10
Bertie HighGrades 9-1213.0 mi

Construction

Condition

  • Year built: 1946

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

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

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Hardwood,Slate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Stove,Gas
  • Cooling features: None

Interior Area

  • Total interior livable area: 2,007 sqft

Property

Features

  • Exterior features: Vinyl
  • Has view: Yes
  • View description: Territorial

Lot

  • Lot size: 1 Acres

Parking

  • Parking features: Off-street

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
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Bertie 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 $682$8,184
Home Insurance *$165$1,980
Property Taxes $69$828
Electricity $200$2,405
Total$1,116$13,392
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,262/yr
40% on housing$33,480/yr
45% on housing$29,760/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: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$67This listing

vs Other Active Listings

Avg $/sqft

ZIP 27924$115
Bertie County$109

vs Homes Sold Last Month

Median $/sqft

ZIP 27924
Bertie County$82

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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Price change$159,999
2026-08-03Listed for sale$135,000

For Sale by Owner

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