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107 S Main Street, Bath, NC, 27808

4beds
4baths
2,875sqft
$849,900
$296price/sqft
$5,450/moest. monthly cost
$218,000/yrincome needed

About This Home

WATERFRONT on the historic Town of Bath! Enjoy the views from your porch hot tub or pier. An exceptional opportunity to own a piece of the town's rich history and stunning waterfront. This charming property is perfectly suited for both an investment or a primary residence, offering breathtaking water views and a prime location. This home is a must-see. Four bedrooms on the top floor showcase incredible views with multiple porches. (Two additional rooms/bathroom in the basement not counted in main square footage.) Pier, two boat slips with lifts. This open floor plan home is perfect for a full time residence or getaways. Furnished, with a few exclusions. Come here to relax and enjoy the water. This property is a rare find in Bath, NC, combining water access, historic appeal, and investment potential. Don't miss your chance to own this incredible waterfront gem. Neighboring property has deeded pier access/easement.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

7/10
Bath ElementaryGrades K-80.2 mi
5/10
Northside HighGrades 9-126.3 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Composition,Block,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Mini Refrigerator,Gas Cooktop,Water Softener,Washer,Refrigerator,Ice Maker,Dishwasher

Basement

  • Basement: Partially Finished

Bedrooms & Bathrooms

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

Dining Room

  • Features: Combination

Features

  • Entrance Foyer,Furnished,Hot Tub,Pantry,Gas Log
  • Flooring: Carpet,Tile
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

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

Interior Area

  • Total structure area: 2,875
  • Total interior livable area: 2,875 sqft

Master Bedroom

  • Level: Non Primary Living Area

Property

Details

  • Parcel number: 35290
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Pool/Spa Combo
  • Patio & porch: Deck,Screened,Balcony
  • Exterior features: Gas Log
  • Fencing: Partial
  • Has view: Yes
  • View description: Water
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Deeded Water Rights,Waterfront,Water Depth 4+
  • Frontage type: Creek
  • Living area range: 2800 - 2999

Lot

  • Lot size: 0.26 Acres
  • Features: Deeded Water Rights,Deeded Waterfront,Water Depth 4+
  • Lot size dimensions: 172 x 51 x 197 x 56

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

FEMA Declared Disasters in Beaufort 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 $4,297$51,564
Home Insurance *$381$4,572
Property Taxes $505$6,060
Electricity $267$3,213
Total$5,450$65,400
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$186,857/yr
40% on housing$163,500/yr
45% on housing$145,333/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: 5.2%
5.2%
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

$296This listing

vs Other Active Listings

Avg $/sqft

ZIP 27808$500
Beaufort County$219

vs Homes Sold Last Month

Median $/sqft

ZIP 27808$225
Beaufort County$166

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
2025-10-16Price change$895,000
2025-04-10Price change$970,000
2024-11-07Listed for sale$995,000

For Sale by Agent

AgentElizabeth Hardee Wilder
BrokerageUnited Country Respess Real Estate

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