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414 W Main Street, Washington, NC, 27889

3beds
2baths
2,494sqft
$634,000
$254price/sqft
$4,237/moest. monthly cost
$169,480/yrincome needed

About This Home

Step back in time to refined Southern elegance with this exceptional quaint and charming 19th century residence, ideally positioned in the heart of Washington's delightful Historic District. Perfectly situated just across the street from the river and a few steps from the vibrant downtown life, the waterfront, fine dining, boutique shopping, and entertainmentthis home offers the rare combination of architectural grandeur and modern comfort. Beautifully maintained, the home showcases superior period craftsmanship with tall ceilings, original wood floors, intricate moldings and mill work, and graciously proportioned living spaces designed for both relaxation and entertaining. Thoughtful updates to the kitchen and bathroom blend seamlessly with the home's historic character, offering a luxurious living experience without compromising its timeless charm. Featuring 3 bedrooms, 2 bathrooms, the home is framed by a perfect Southern wrap around porch complete with the classic Southern swing -perfect for capturing the evening breezes and waving to neighbors and passer-bys in this distinguished community. If you are looking for beauty, comfort, and a deep appreciation for history, this lovely gem offers a rare opportunity to take that step back in time while enjoying all the amenities of today. Truly a place you'll be proud to call home. Only $649,000.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
64
BikeBikeable

Schools

5/10
John C Tayloe ElementaryGrades 2-30.9 mi
4/10
P S Jones MiddleGrades 6-82.0 mi
2/10
Washington HighGrades 9-122.8 mi

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Microwave,Refrigerator,Range,Dishwasher
  • Laundry features: Dryer Hookup,Washer Hookup,Laundry Room

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • High Ceilings,Entrance Foyer,Solid Surface,Walk-in Shower
  • Window features: Storm Window(s)
  • Flooring: Tile,Wood

Heating & Cooling

  • Heating features: Other,Electric
  • Cooling features: Other

Interior Area

  • Total structure area: 2,494
  • Total interior livable area: 2,494 sqft

Property

Details

  • Parcel number: 11484
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Open,Covered,Porch
  • Fencing: Partial,Wood
  • Waterfront features: None
  • Living area range: 2400 - 2599

Lot

  • Lot size: 0.26 Acres
  • Features: Level
  • Lot size dimensions: 44 x 202 x 32 x 202

Parking

  • Parking features: On Site

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $3,205$38,460
Home Insurance *$315$3,780
Property Taxes $485$5,820
Electricity $232$2,787
Total$4,237$50,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$145,268/yr
40% on housing$127,110/yr
45% on housing$112,986/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

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 27889$149
Beaufort County$219

vs Homes Sold Last Month

Median $/sqft

ZIP 27889$158
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)

Price History

DateEventPrice
2025-11-20Listed for sale$649,000
2018-04-02Sold$152,500

For Sale by Agent

AgentGerri McKinley
BrokerageColdwell Banker Sea Coast Advantage - Washington

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