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4011 Ruddy Duck Way, Wilmington, NC, 28412

2beds
2baths
1,840sqft
$490,000
$266price/sqft
$2,984/moest. monthly cost
$119,360/yrincome needed

About This Home

Welcome home to coastal charm and easy living in RiverLights at Del Webb! Will you spend the day enjoying the community's resort-style amenities or hosting friends on your private back patio? The choice is yours. This beautifully maintained 2-bedroom home welcomes you with a spacious foyer and a versatile front flex room -- perfect for a home office, reading nook, hobby space, or additional sitting area. The open-concept kitchen is designed for gathering, featuring a large island, abundant cabinetry, and a stylish built-in dry bar with beverage cooler and shiplap accent wall -- adding just the right touch of coastal character. The kitchen flows seamlessly into the light-filled living and dining areas, creating an inviting space for everyday living and entertaining. Tucked just beyond, the 3-season room offers a cozy extension of your living space -- ideal for morning coffee or relaxing evenings. The private primary suite is thoughtfully positioned off the main living area and features a generous walk-in closet and spa-like bath with zero-entry shower. A second bedroom is privately situated near a full bath, providing comfortable accommodations for guests. Lovingly maintained and move-in ready, with a new HVAC system installed in 2025, and a whole house generator, this home offers low-maintenance living and relaxed coastal style in one of the area's most desirable 55+ communities.

Getting Around

5
WalkingCar-Dependent
0
TransitNo Nearby Transit
33
BikeSomewhat Bikeable

Schools

5/10
9/10
Myrtle Grove MiddleGrades 6-83.1 mi
3/10
New Hanover HighGrades 9-126.0 mi

Construction

Condition

  • Year built: 2017

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Mini Refrigerator,Washer,Refrigerator,Dryer,Disposal,Dishwasher
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Master Downstairs,Walk-in Closet(s),Entrance Foyer,Solid Surface,Whole-Home Generator,Kitchen Island,Ceiling Fan(s),Walk-in Shower,Blinds/Shades,Dry Bar,Eat-in Kitchen,Walk-In Closet(s)
  • Flooring: Laminate,Tile

Heating & Cooling

  • Heating features: Electric,Forced Air
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,840
  • Total interior livable area: 1,840 sqft

Property

Details

  • Parcel number: R07000006249000
  • Zoning: R-7
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered,Enclosed,Patio,Porch
  • Fencing: None
  • Has view: Yes
  • View description: See Remarks
  • Frontage type: See Remarks
  • Living area range: 1800 - 1999

Lot

  • Lot size: 6,098 sqft
  • Lot size dimensions: 51 x 120

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in New Hanover 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 $2,477$29,724
Home Insurance *$108$1,296
Property Taxes $199$2,388
Electricity $200$2,405
Total$2,984$35,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,308/yr
40% on housing$89,520/yr
45% on housing$79,573/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$266This listing

vs Other Active Listings

Avg $/sqft

ZIP 28412$213
New Hanover County$308

vs Homes Sold Last Month

Median $/sqft

ZIP 28412$245
New Hanover County$260

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
2026-05-12Price change$450,000
2026-04-03Price change$490,000
2026-03-05Listed for sale$520,000
2019-10-02Sold$345,000
2019-09-10Listed for sale$349,900
2019-08-29Pending sale$349,900
2019-08-06Price change$349,900
2019-07-23Price change$354,000
2019-05-20Price change$359,000
2019-04-22Price change$370,000
2019-01-02Price change$375,000
2018-10-05Listed for sale$380,000
2018-02-23Sold$351,265

For Sale by Agent

AgentJanet G Cronemiller
BrokerageBlueCoast Realty Corporation

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