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Mm Tooley Harbor Charleston, Elizabeth City, NC, 27909

5beds
3baths
2,617sqft
$549,900
$210price/sqft
$3,555/moest. monthly cost
$142,200/yrincome needed

About This Home

This contemporary home, marries sophistication, clean lines, luxury finishes, gold accents, black stainless appliances, a butcher block island, two-tone, staggered cabinetry w/ soft-close drawers/doors, a coffee bar, open pantry, Coffered ceiling in the main foyer and church windows overlooking the back yard. This home boasts 9 ft. ceilings, and a fully finished garage w/ smart garage opener. The primary suite features a tray ceiling, custom tiled shower, soaking tub, dual vanity, and walk-in closet, that feels like a private spa oasis. Great Room has a stone fireplace wall with built-ins, a solid wood mantle and a 16 ft gold tear-drop, blown glass chandelier. The second floor boasts 4 full bedrooms, Jack&Jill full bath and matching sconces that tie in with the rest of the home. Some upgrades seen here are not included in the base price. Fixtures, finishes vary build to build.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

7/10
J C Sawyer ElementaryGrades K-51.6 mi
6/10
River Road MiddleGrades 6-80.4 mi
1/10
Northeastern HighGrades 9-123.7 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Other,Slab
  • Roof: Asphalt Shingle,Composition
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Transitional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Range,Gas Water Heater
  • Laundry features: Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Bar,Cathedral Ceiling(s),Dual Entry Bath (Br & Hall),Primary Sink-Double,Walk-In Closet(s),Ceiling Fan(s),Pantry
  • Flooring: Carpet,Laminate/LVP
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Attic: Walk-In
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Zoned
  • Cooling features: Central Air,Heat Pump W/A,Zoned

Interior Area

  • Total interior livable area: 2,617 sqft

Primary Bedroom

  • Level: First

Property

Details

  • Zoning: R-15

Features

  • Stories: 2
  • Pool features: None
  • Patio & porch: Patio,Porch
  • Exterior features: Balcony
  • Fencing: None
  • Waterfront features: Not Waterfront

Parking

  • Total spaces: 2
  • Parking features: Garage Att 2 Car,2 Space,Driveway,On Street,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Winter Weather
    Winter WeatherVery High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

FEMA Declared Disasters in Pasquotank 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 $2,780$33,360
Home Insurance *$239$2,868
Property Taxes $293$3,516
Electricity $243$2,924
Total$3,555$42,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,885/yr
40% on housing$106,650/yr
45% on housing$94,800/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: 7.0%
7.0%
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

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 27909$153
Pasquotank County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 27909$185
Pasquotank County$164

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

No price history available

New Construction

AgentRussell Bryant
BrokerageThrive Realty

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