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34776 W Harbor Dr, Millsboro, DE, 19966

4beds
2baths
1,696sqft
$285,000
$168price/sqft
$1,900/moest. monthly cost
$76,000/yrincome needed

About This Home

Some homes are just houses. This one is a lifestyle! Tucked inside White House Beach, on the Indian River Bay, this FURNISHED property (with GOLF CART!) delivers the kind of bayfront living that most people only dream about. Step onto the expansive deck and you will understand immediately why the owners never wanted to leave. The bay stretches out in front of you, wide and glittering, and beyond the bulkhead is a sandy shoreline where these owners spent their summers tying floaties and drifting with the waves. On the Fourth of July, this deck becomes the best seat in the county for fireworks. Bring your chairs and your people! The main and side decks were installed in 2018 with premium grade lumber, and an outdoor shower is right there waiting after a day on the water. The community amenities are exceptional: a private sandy beach with a gazebo and swings, boat ramps, a marina with some of the deepest slips in the area, and tennis courts. No pool needed when you have all of this. Inside, the home is bright, open, and completely oriented toward the water. Oak hardwood floors run throughout the main living areas. The open floor plan connects the living room, dining area, and kitchen in one seamless, sun-filled space. Running the full length of the living and dining rooms is a wall of windows stretching from one side of the home to the other, with a built-in window seat beneath them. It is the kind of feature that stops you in your tracks the moment you walk in. Sit there with your morning coffee and watch the bay change color. Every single day looks different, and every single day is beautiful. The owner's suite features an ensuite bathroom with dual vanities and a linen closet. The additional bedrooms are fresh, clean, and full of coastal charm. And then there is the bunk room: a genuinely fun space complete with a built-in climbing wall and under-bed storage that will make every kid (and more than a few adults) immediately claim it as their own. The laundry room is a standout: generously sized, loaded with storage, and finished with a countertop for folding. A dedicated storage room off the laundry adds even more organization space. The attic, accessible via a pull-down ladder, provides additional bulk storage. The garage accommodates smaller vehicles, golf carts, and all the beach and boat gear a waterfront life requires, plus a proper workshop area with a workbench and pegboard for the handy buyer. The big-ticket items are already done. Heating and cooling were replaced in 2020. The roof is a fully warranted GAF system installed in 2020, including Deck Armor underlayment, Timberline HighDef shingles, Roofstart weather seal, WeatherWatch (to protect against weather-driven rain), algae resistant StainGuard, Seal-A-Ridge ridge cap, and Cobra Snow Country ridge vent system. That is a roof built to last! All of this, and you are just minutes from groceries, restaurants, shopping, gas, and medical services. Rehoboth Beach and Lewes are approximately 30 minutes away when the ocean calls. White House Beach is not just a community. It is a way of life, and this home is your front-row seat to all of it.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
4/10
Millsboro Middle SchoolGrades 6-88.0 mi
3/10

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Pillar/Post/Pier
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven/Range - Electric,Refrigerator,Washer,Dryer,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Combination Kitchen/Dining,Combination Dining/Living,Entry Level Bedroom,Open Floorplan,Kitchen Island
  • Door features: Six Panel
  • Window features: Double Pane Windows,Energy Efficient,Vinyl Clad
  • Finished area below ground: 0
  • Finished area above ground: 1,696

Heating & Cooling

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

Interior Area

  • Total structure area: 1,696
  • Total interior livable area: 1,696 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 23430.006.005671
  • Lease amount: 1569
  • Zoning: TP
  • Zoning description: General Residential
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Bay
  • Has water view: Yes
  • Water view: Bay
  • Waterfront features: Bayfront

Lot

  • Lot size: 6,000 sqft
  • Features: Bulkheaded
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Total spaces: 3
  • Parking features: Garage Faces Rear,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Winter Weather
Tsunami

FEMA Declared Disasters Across Delaware Counties

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 $1,441$17,292
Home Insurance *$119$1,428
Property Taxes $89$1,068
Electricity $251$3,021
Total$1,900$22,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,142/yr
40% on housing$57,000/yr
45% on housing$50,666/yr

Delaware FAIR Plan Programs

Insurance Placement Facility of Delaware

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,170Commercial: 57
Total Premiums$607,000
Total Exposure$249.53M

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: 5.6%
5.6%
0%30.0%
Electricity Growth Rate10-year average: 8.7%
8.7%
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

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 19966$155
Sussex County$247

vs Homes Sold Last Month

Median $/sqft

ZIP 19966
Sussex County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-07Contingent$285,000
2026-07-10Listed for sale$285,000

For Sale by Agent

AgentErin Lee
BrokerageKeller Williams Realty

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