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195 Mullet Bay Lane, Hertford, NC, 27944

3beds
2baths
2,900sqft
$1,100,000
$379price/sqft
$6,787/moest. monthly cost
$271,480/yrincome needed

About This Home

Welcome to a rare offering where luxury meets tranquility. Nestled on expansive acreage, this private waterfront retreat delivers the lifestyle you've been dreaming of - no HOA, just pure freedom and refined coastal living. Thoughtfully built with exceptions quality and care, this 3 bedroom, 2 bath residence blends comfort with elevated design. Step outside own your own waterfront paradise, featuring an impressive pier and private boat dock - perfect for sunset cruises or days on the river. Entertain or unwind on the spacious 24x18 screens porch, where breezes and river views create the ultimate outdoor living experience. A sandy shoreline beach offers effortless launching for kayaks, along with the perfect setting for swimming, fishing or simply soaking in the natural beauty that surrounds you. From large porches, to shiplap ceilings, solid surface countertops, waterfront views from expansive windows, tiled coffer ceilings, there is no stone left unturned. This is more than a home-it's a private waterfront sanctuary designed for those who expect exceptional.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
Hertford GrammarGrades 3-56.0 mi
6/10
Perquimans County MiddleGrades 6-87.5 mi
3/10
Perquimans County HighGrades 9-125.7 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Crawl Space
  • Roof: Architectural Shingle
  • Construction materials: Fiber Cement,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Built-In Electric Oven,Washer,Refrigerator,Dryer,Dishwasher
  • Laundry features: Dryer Hookup,Washer Hookup,Laundry Room

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Second

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Master Downstairs,Walk-in Closet(s),Tray Ceiling(s),High Ceilings,Entrance Foyer,Mud Room,Solid Surface,Kitchen Island,Ceiling Fan(s),Pantry,Walk-in Shower,Blinds/Shades,Eat-in Kitchen,Gas Log,Walk-In Closet(s)
  • Flooring: Tile,Hardwood
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Floored,Walk-In

Heating & Cooling

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

Interior Area

  • Total structure area: 2,900
  • Total interior livable area: 2,900 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 200720043b
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Pool features: None
  • Patio & porch: Covered,Patio,Porch,Screened,Front Porch
  • Exterior features: Gas Log
  • Fencing: None
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: Boat Lift,Bulkhead,Deeded Water Access
  • Frontage type: River
  • Living area range: 2800 - 2999

Lot

  • Lot size: 29.43 Acres
  • Features: Open Lot,Dead End,Wooded,Boat Dock,Boat Lift,Bulkhead,Deeded Water Access,Landscaped
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Gravel,Concrete,Garage Door Opener,Underground
  • 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
  • Strong Wind
    Strong WindVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

FEMA Declared Disasters in Perquimans 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 $5,562$66,744
Home Insurance *$516$6,192
Property Taxes $439$5,268
Electricity $270$3,241
Total$6,787$81,444
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$232,697/yr
40% on housing$203,610/yr
45% on housing$180,986/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: 4.8%
4.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$379This listing

vs Other Active Listings

Avg $/sqft

ZIP 27944$149
Perquimans County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 27944$170
Perquimans County$148

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)

No zestimate history available

Price History

DateEventPrice
2026-04-24Listed for sale$1,100,000

For Sale by Agent

AgentThe Morrisette Group
BrokerageBerkshire Hathaway HomeServices RW Towne Realty/Moyock

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