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46 Rochester Street, Hampstead, NC, 28443

4beds
3baths
2,405sqft
$479,900
$200price/sqft
$2,909/moest. monthly cost
$116,360/yrincome needed

About This Home

Welcome to 46 Rochester Street, where modern comfort meets coastal living in the highly desirable The Sound at Washington Acres community! This beautifully maintained 4-bedroom, 2.5-bath home offers over 2,400 square feet of thoughtfully designed living space on a spacious 0.35-acre homesite. Step inside to discover a bright, open-concept floor plan perfect for everyday living and entertaining. The stunning kitchen features stainless steel appliances, a large center island, tile backsplash, generous pantry, and abundant cabinet space, flowing seamlessly into the dining and living areas. Natural light fills the home, while the outside patio provides the perfect place to enjoy your morning coffee or unwind after a day on the water. Upstairs, the spacious owner's suite offers a private retreat with a luxurious ensuite bath and oversized walk-in closets. Three additional bedrooms provide flexibility for family, guests, or a home office. Outside, enjoy a fenced backyard with plenty of room for kids, pets, or future outdoor living enhancements. Additional features include a two-car garage, modern LVP flooring, covered front porch, and ample storage throughout. Ideally located just minutes from the Intracoastal Waterway, public boat access, shopping, dining, and the beautiful beaches of Topsail Island, this home also falls within the highly sought-after Topsail School District. Don't miss this opportunity to own a move-in-ready home in one of Hampstead's most desirable neighborhoods. Schedule your private showing today and experience the coastal lifestyle you've been searching for! SELLERS offering a $8000 use as the buyers choose!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

9/10
Topsail Elementary SchoolGrades PK-44.5 mi
6/10
Topsail Middle SchoolGrades 5-84.6 mi
8/10
Topsail High SchoolGrades 9-124.3 mi

Construction

Condition

  • Year built: 2018

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Microwave,Refrigerator,Range,Dishwasher
  • Laundry features: Laundry Room

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Walk-in Closet(s),Kitchen Island,Eat-in Kitchen,Walk-In Closet(s)

Heating & Cooling

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

Interior Area

  • Total structure area: 2,405
  • Total interior livable area: 2,405 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 32818654080000
  • Zoning: RP
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Patio
  • Fencing: Full,Wood
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 2400 - 2599

Lot

  • Lot size: 0.35 Acres
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Concrete,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
  • Winter Weather
    Winter WeatherVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Pender 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 $2,426$29,112
Home Insurance *$115$1,380
Property Taxes $144$1,728
Electricity $224$2,688
Total$2,909$34,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,737/yr
40% on housing$87,270/yr
45% on housing$77,573/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 28443$270
Pender County$320

vs Homes Sold Last Month

Median $/sqft

ZIP 28443$220
Pender County$217

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
2026-08-03Price change$479,900
2026-07-21Listed for sale$489,900
2023-08-21Sold$440,000
2023-07-21Pending sale$450,000
2023-07-11Listed for sale$450,000
2019-05-24Listing removed$297,341
2019-03-23Listed for sale$297,341
2019-02-27Sold$285,000

For Sale by Agent

AgentDavid N Frost
BrokerageeXp Realty

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