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104 Front Street, Kelford, NC, 27847

4beds
2baths
4,950sqft
$300,000
$61price/sqft
$2,590/moest. monthly cost
$103,600/yrincome needed

About This Home

Your Quiet Escape Awaits in Kelford Imagine trading city noise for the sound of rocking chairs on your own front porch. This is what awaits you in Kelford, NC?a peaceful town in the heart of Bertie County's beautiful riverlands, where swimming, fishing, and kayaking are part of everyday life. This completely renovated 1933 home perfectly blends nostalgic charm with modern convenience. You'll love hosting friends and family in the spacious, up-to-date kitchen and gathering in the huge den by the fireplace. With four comfortable bedrooms, a formal dining room, and a sun-filled corner lot, there's space for everyone to thrive. Quirky and charming details, like a hidden staircase, add to its unique character. Ready for a quieter pace and a home filled with light and possibility? This one is a must-see. It's currently rented at $1,550/month, making it a compelling opportunity for an owner-occupant or investor.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
West Bertie ElementaryGrades PK-51.7 mi
2/10
Bertie MiddleGrades 6-817.2 mi
9/10
Bertie Early College HighGrades 9-1216.7 mi

Construction

Condition

  • Year built: 1933

Materials

  • Foundation: Crawl Space
  • Roof: Architectural Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic Home
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Dryer Hookup,Washer Hookup,Laundry Room

Basement

  • Basement: None

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Bonus Room

  • Level: Second

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Mud Room,Solid Surface,Blinds/Shades
  • Door features: Thermal Doors
  • Flooring: Carpet,Tile,Wood
  • Attic: None

Heating & Cooling

  • Heating features: Heat Pump,Fireplace(s),Electric
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 2,475
  • Total interior livable area: 4,950 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 5828492341
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: Thermal Doors
  • Fencing: None
  • Waterfront features: None
  • Living area range: 2400 - 2599

Lot

  • Lot size: 0.62 Acres
  • Features: Corner Lot
  • Lot size dimensions: 180 x 150

Parking

  • Total spaces: 2
  • Parking features: Covered,Off Street,On Site,Paved
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 1
  • Carport: Yes
  • Carport 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
  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $1,516$18,192
Home Insurance *$317$3,804
Property Taxes $296$3,552
Electricity $461$5,532
Total$2,590$31,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,800/yr
40% on housing$77,700/yr
45% on housing$69,066/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

$61This listing

vs Other Active Listings

Avg $/sqft

ZIP 27847
Bertie County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 27847
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)

Price History

DateEventPrice
2025-10-28Listed for sale$300,000
2024-11-20Listing removed$290,000
2024-10-22Price change$290,000
2022-11-23Listed for sale$280,000
2022-11-01Listing removed--
2022-02-21Price change$280,000
2021-10-22Listed for sale$300,000
2016-08-24Sold$40,000

For Sale by Agent

AgentNoria Namaz
BrokerageColdwell Banker Sea Coast Advantage - Washington

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