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284 & 286 Mill Creek Road, Newport, NC, 28570

4beds
2baths
2,128sqft
$499,900
$235price/sqft
$3,032/moest. monthly cost
$121,280/yrincome needed

About This Home

Escape the hustle and bustle and embrace peaceful country living! Nestled on approximately 22 acres, this property offers the perfect blend of open space, natural beauty, and coastal convenience. The manufactured home sits on open, level ground surrounded by wooded acreage at the back— an ideal setting for outdoor recreation, gardening, or simply enjoying the quiet. A spacious 1800 sq feet garage and workshop with electricity provides ample storage and endless possibilities for hobbies, projects, or future expansion. The front portion of the property previously housed a mobile home with well and septic system still in place, offering a cleared and ready site for new opportunities. Located just minutes from Newport and a short drive to Morehead City and New Bern, you'll love the easy access to coastal attractions, shopping, and dining. Plus, with a public boat ramp nearby, you can spend your days exploring the waterways and soaking up the best of coastal Carolina living. Whether you're dreaming of a private retreat, mini-farm, or your own outdoor paradise, this property is ready to make those dreams come true. Create your own private oasis today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
4/10
Newport Middle SchoolGrades 6-81.5 mi
3/10
West Carteret High SchoolGrades 9-123.8 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Block,Crawl Space
  • Roof: Shingle,Composition
  • Construction materials: Vinyl Siding,Steel Frame

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Water Softener,Washer,Refrigerator,Range,Dryer
  • Laundry features: In Hall

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Walk-in Shower,Blinds/Shades
  • Window features: Storm Window(s)
  • Flooring: Carpet,Laminate,Vinyl
  • Attic: None

Heating & Cooling

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

Interior Area

  • Total structure area: 2,128
  • Total interior livable area: 2,128 sqft

Master Bedroom

  • Level: Primary Living Area

Property

Details

  • Parcel number: 635803011434000
  • Zoning: R20
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch
  • Exterior features: None
  • Fencing: None
  • Waterfront features: None
  • Living area range: 2000 - 2199

Lot

  • Lot size: 21.50 Acres
  • Features: Open Lot,Level,Wetlands,Wooded
  • Lot size dimensions: irregular

Parking

  • Total spaces: 4
  • Parking features: Off Street,Unpaved
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Coastal Flooding
Lightning
Wildfire
Tsunami

FEMA Declared Disasters in Carteret 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 $2,527$30,324
Home Insurance *$122$1,464
Property Taxes $183$2,196
Electricity $200$2,405
Total$3,032$36,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,954/yr
40% on housing$90,960/yr
45% on housing$80,853/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$235This listing

vs Other Active Listings

Avg $/sqft

ZIP 28570$251
Carteret County$291

vs Homes Sold Last Month

Median $/sqft

ZIP 28570$207
Carteret County$252

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
2026-03-17Price change$499,900
2026-02-10Price change$524,900
2025-10-14Listed for sale$549,000

For Sale by Agent

AgentBradberry Garner Real Estate
BrokerageKeller Williams Crystal Coast

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