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728 James Street, Hubert, NC, 28539

2beds
2baths
1,048sqft
$199,000
$190price/sqft
$1,387/moest. monthly cost
$55,480/yrincome needed

About This Home

Welcome to this beautifully designed 2 bed, 2 bath home situated on a .46 acre lot in Hubert! Built in 2023, this home features an open layout with a gorgeous kitchen complete with a large island - perfect for both entertaining and everyday living, Step outside and enjoy peaceful surroundings while being conveniently just a short drive from the beautiful beaches on the Crystal Coast. Also located near Camp Lejeune and plenty shopping and dining spots for your daily needs. This property is the perfect blend of comfort, style, and location. Don't miss the chance to make it yours!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
Queens Creek ElementaryGrades PK-52.2 mi
5/10
Swansboro MiddleGrades 6-82.5 mi
8/10
Swansboro HighGrades 9-122.0 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Brick/Mortar,Crawl Space
  • Roof: Architectural Shingle
  • Construction materials: See Remarks,Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Bedrooms & Bathrooms

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

Features

  • Kitchen Island,Blinds/Shades

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,048
  • Total interior livable area: 1,048 sqft

Property

Details

  • Parcel number: 131444.2
  • Zoning: R-8M
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Deck
  • Fencing: Partial
  • Has view: Yes
  • View description: See Remarks
  • Frontage type: See Remarks
  • Living area range: 1000 - 1199

Lot

  • Lot size: 0.46 Acres
  • Lot size dimensions: 203 x 98 x 204 x 95

Parking

  • Parking features: Gravel

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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

FEMA Declared Disasters in Onslow 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 $1,006$12,072
Home Insurance *$73$876
Property Taxes $108$1,296
Electricity $200$2,405
Total$1,387$16,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,554/yr
40% on housing$41,610/yr
45% on housing$36,986/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 28539$139
Onslow County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 28539$171
Onslow County$173

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
2026-04-17Price change$200,000
2026-03-07Listed for sale$205,000
2025-06-04Sold$195,000
2025-04-27Pending sale$179,900
2025-04-03Price change$179,900
2025-03-20Listed for sale$199,900
2024-01-31Listing removed--
2024-01-26Price change$185,000
2024-01-13Price change$187,000
2024-01-03Price change$190,000
2023-12-19Price change$195,000
2023-12-15Listed for sale$199,000
2023-04-04Sold$33,000
2023-03-21Pending sale$34,900
2023-03-14Listed for sale$34,900

For Sale by Agent

AgentKatie Parish
BrokerageHomeSmart Connections

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