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281 Water Street, Aurora, NC, 27806

2beds
2baths
1,580sqft
$449,000
$284price/sqft
$3,484/moest. monthly cost
$139,360/yrincome needed

About This Home

Welcome to this waterfront property nestled in a peaceful, family-friendly community that boasts breathtaking panoramic views with stunning sunrises and sunsets. This property on the Pamlico River is perfectly situated for excellent fishing, including speckled trout, striped bass, flounder and much more, along with crabbing, shrimping, and oyster harvesting -- creating endless family fun memories with year-round recreation. Whether you're casting for speckled trout at sunrise, pulling crab pots with the kids, or heading out for an evening boat ride, this property delivers the ultimate Eastern North Carolina waterfront lifestyle. This charming waterfront property offers a rare combination of peaceful coastal living and outdoor adventure -- perfect as a full-time residence, vacation retreat, or even a perfect investment property. The kind of place where kids ride bikes, neighbors' wave, and life moves at the perfect pace. This property is close in proximity to the historic Aurora Ferry and local hotspots which makes exploring waterways and neighboring towns easy and enjoyable year-round. A private pier stretches out to a covered dock with lights and hammock swings along with a large platform dock, portion of it concrete, with metal roof covering, boat lift and sitting area -- perfect for entertaining, relaxing in the shade, or launching your next adventure. The sandy shoreline and protected setting make it ideal for kayaking, paddleboarding, and safe family enjoyment on the water. Also, a boat ramp on the property and water depth at end of pier between 4-6 feet. Under the home, you'll find a spacious covered area designed for gathering -- complete with a hammock swing, grilling space, storage for kayaks, crab pots and plenty of room for outdoor entertaining with unobstructed, panoramic river views. Inside, a spacious living area has a gorgeous wood plank vaulted ceiling and a wall of windows to take in the natural light that pours in with spectacular views to enhance the coastal feel. The home has a newer septic system and newer interior paint from 2021. The kitchen flows seamlessly into the dining and living spaces, making it easy to host family and friends while making memories and simply in awe at the incredible panoramic waterfront scenery. Lots of natural light pouring inside enhancing that coastline feel. This is a must see to believe, schedule your showing today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
S W Snowden ElementaryGrades PK-86.2 mi
5/10
Southside HighGrades 9-1219.6 mi

Construction

Condition

  • Year built: 1955

Materials

  • Foundation: Other,Raised,Pilings
  • Roof: Metal
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Washer,Refrigerator,Dryer
  • Laundry features: Dryer Hookup,Washer Hookup,In Hall,Laundry Closet

Bedrooms & Bathrooms

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

Features

  • Vaulted Ceiling(s),Ceiling Fan(s)
  • Door features: Thermal Doors
  • Flooring: Carpet
  • Attic: Access Only

Heating & Cooling

  • Heating features: Electric,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,580
  • Total interior livable area: 1,580 sqft

Property

Details

  • Parcel number: 24820
  • Zoning: SF Residential
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Open,Covered,Deck,Front Porch
  • Exterior features: Outdoor Shower,Outdoor Grill,Thermal Doors
  • Fencing: None
  • Has view: Yes
  • View description: River,Water
  • Has water view: Yes
  • Water view: River,Water
  • On waterfront: Yes
  • Waterfront features: Pier,Boat Lift,Boat Ramp,Bulkhead,Waterfront,Water Access Comm,Water Depth 4+
  • Frontage type: River
  • Living area range: 1400 - 1599

Lot

  • Lot size: 8,276 sqft
  • Features: Boat Dock,Boat Lift,Boat Ramp,Bulkhead,Deeded Waterfront,Pier,Water Access Comm,Water Depth 4+
  • Lot size dimensions: WF50 x 165 x 50 x 165

Parking

  • Parking features: Concrete,On Site,Underhouse

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
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Coastal Flooding
Lightning
Strong Wind
Tornado
Wildfire
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 $2,270$27,240
Home Insurance *$774$9,288
Property Taxes $240$2,880
Electricity $200$2,405
Total$3,484$41,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,451/yr
40% on housing$104,520/yr
45% on housing$92,906/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

$284This listing

vs Other Active Listings

Avg $/sqft

ZIP 27806$164
Beaufort County$220

vs Homes Sold Last Month

Median $/sqft

ZIP 27806$53
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
2026-04-30Price change$450,000
2026-03-23Price change$479,999
2026-03-03Listed for sale$489,999
2022-07-01Sold$355,000
2022-06-22Pending sale$374,900
2022-05-25Price change$374,900
2022-03-08Price change$384,900
2022-01-30Listed for sale$389,000
2022-01-27Pending sale$389,000
2022-01-08Listed for sale$389,000
2021-12-18Pending sale$389,000
2021-11-27Listed for sale$389,000
2021-10-19Sold$370,000
2021-08-21Pending sale$370,000
2021-08-11Listed for sale$370,000
2021-08-11Listing removed--
2021-05-20Listed for sale$385,000

For Sale by Agent

AgentJessica Bass
BrokerageSeabird Realty

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