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424 White Oak Drive, Edenton, NC, 27932

3beds
2baths
920sqft
$89,000
$97price/sqft
$741/moest. monthly cost
$29,640/yrincome needed

About This Home

This home comes w deeded access to a sandy beach on the Albemarle Sound plus neighborhood boat ramp. Enjoy three bedrooms, two baths, living room open to the kitchen/dining area, separate laundry room and a spacious yard. Located in Edenton's Cape Colony subdivision. Motivated seller!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
White Oak ElementaryGrades PK-210.5 mi
4/10
Chowan MiddleGrades 6-815.0 mi
3/10
John A Holmes HighGrades 9-123.2 mi

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Crawl Space
  • Roof: Shingle
  • Construction materials: Steel Frame,See Remarks

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Refrigerator,Range
  • Laundry features: Dryer Hookup,Washer Hookup,Laundry Room

Bedrooms & Bathrooms

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

Features

  • Bookcases,Ceiling Fan(s)

Heating & Cooling

  • Heating features: Other
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 920
  • Total interior livable area: 920 sqft

Property

Details

  • Parcel number: 781311662797
  • Zoning: R15
  • Special condition: Standard

Features

  • Levels: One
  • Fencing: None
  • Has view: Yes
  • View description: See Remarks
  • Waterfront features: Deeded Beach Access,Deeded Water Access
  • Frontage type: See Remarks
  • Living area range: 800 - 999

Lot

  • Lot size: 0.36 Acres
  • Features: Deeded Beach Access,Deeded Water Access
  • Lot size dimensions: 204 x 12 x 246 x 139

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
    HurricaneRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Coastal Flooding
Heat Wave
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters in Chowan 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 $450$5,400
Home Insurance *$35$420
Property Taxes $56$672
Electricity $200$2,405
Total$741$8,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$25,405/yr
40% on housing$22,230/yr
45% on housing$19,760/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 15.9%
15.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$97This listing

vs Other Active Listings

Avg $/sqft

ZIP 27932$187
Chowan County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 27932
Chowan County$183

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
2026-05-07Listed for sale$89,000

For Sale by Agent

AgentCindy Twiddy
BrokerageCindy Twiddy Realty, Inc.

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