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460 Keysville Road, Washington, NC, 27889

4beds
4baths
4,222sqft
$499,000
$118price/sqft
$3,382/moest. monthly cost
$135,280/yrincome needed

About This Home

Located just outside the city limits in a quiet area, this very well maintained home sits on approximately 1.1 acres and offers the space and features so many buyers are looking for without the restrictions of an HOA. Built in 2005, the property features a large covered front porch, shaded backyard, and screened grilling porch that make outdoor living easy and enjoyable. Inside, you'll find hardwood floors, newly installed carpet, spacious rooms, and a functional layout with plenty of flexibility. The kitchen includes a newly installed dishwasher, and the home is equipped with two water heaters, one of which was replaced approximately two years ago. The home has two climate systems including a downstairs 4 ton dual fuel package heat pump installed in 2016, plus a dual zone upstairs system with separate controls for each upstairs room. Additional upgrades include a sealed crawlspace with dehumidifier and sump pump along with a security system already in place. A major recent improvement is the recently installed roof with a 50 year warranty and 10 year labor warranty, offering peace of mind for years to come. One of the standout features of this property is the approximately 1,200 square foot climate controlled shop, perfect for hobbies, storage, projects, or additional workspace. Conveniently located near schools, medical facilities, and shopping while still offering the privacy and feel of county living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

2/10
John Small ElementaryGrades 4-51.4 mi
4/10
P S Jones MiddleGrades 6-81.4 mi
2/10
Washington HighGrades 9-120.7 mi

Construction

Condition

  • Year built: 2005

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Built-In Microwave,Built-In Electric Oven,Dishwasher

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: First

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Second

Bonus Room

  • Level: Second

Dining Room

  • Level: First

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Vinyl,Hardwood

Heating & Cooling

  • Heating features: Propane,Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 4,222
  • Total interior livable area: 4,222 sqft

Laundry

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 5676
  • Zoning: R-05
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Patio & porch: Covered,Screened,Front Porch,Rear Porch
  • Fencing: None
  • Has view: Yes
  • View description: See Remarks
  • Frontage type: See Remarks
  • Living area range: 4000 - 4499

Lot

  • Lot size: 1.11 Acres
  • Lot size dimensions: irregular

Parking

  • Total spaces: 4
  • Parking features: Concrete,Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Heat Wave
Lightning
Strong Wind
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 $2,523$30,276
Home Insurance *$248$2,976
Property Taxes $218$2,616
Electricity $393$4,718
Total$3,382$40,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,954/yr
40% on housing$101,460/yr
45% on housing$90,186/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

$118This listing

vs Other Active Listings

Avg $/sqft

ZIP 27889$153
Beaufort County$221

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
2026-05-07Listed for sale$525,000

For Sale by Agent

AgentLaura Mucci Gerard
BrokerageThe Rich Company

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