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245 Sharber Ln, Elizabeth City, NC, 27909

4beds
3baths
2,003sqft
$541,000
$270price/sqft
$3,431/moest. monthly cost
$137,240/yrincome needed

About This Home

The Big Marshall is a thoughtfully designed two-story home that balances open-concept living with versatile spaces. On the main level, a spacious great room flows seamlessly into the dining area and kitchen, creating an inviting setting for everyday living and gatherings. The private primary suite includes a large walk-in closet and a dual-sink bath, while a bonus flex room offers adaptable space for a workspace, hobby room, or additional living area. Upstairs, two additional bedrooms, a full bath, and a generous flex room provide even more options to suit various needs. With smart use of space and comfort throughout, The Big Marshall delivers both functionality and flexibility in a well-designed floor plan. This can be transformed into a 5 bedroom home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
T S Cooper ElementaryGrades K-56.7 mi
3/10
Central MiddleGrades 6-813.7 mi
3/10
Gates County Senior HighGrades 9-1212.4 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Asphalt Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

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

Features

  • Walk-In Closet(s),Ceiling Fan(s),Pantry
  • Flooring: Carpet,Vinyl
  • Attic: Pull Down Stairs,Walk-In

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,003 sqft

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 7967 062411

Features

  • Stories: 2
  • Pool features: None
  • Patio & porch: Patio
  • Fencing: None
  • Waterfront features: Not Waterfront
  • Horses can be raised: Yes

Lot

  • Features: Horses Allowed

Parking

  • Total spaces: 2
  • Parking features: Garage Att 2 Car
  • 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

  • Strong Wind
    Strong WindVery High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Hurricane
Lightning
Winter Weather
Cold Wave
Drought
Hail
Heat Wave
Inland Flooding
Tornado

FEMA Declared Disasters in Gates 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 $2,735$32,820
Home Insurance *$235$2,820
Property Taxes $261$3,132
Electricity $200$2,405
Total$3,431$41,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$117,634/yr
40% on housing$102,930/yr
45% on housing$91,493/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
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

$270This listing

vs Other Active Listings

Avg $/sqft

ZIP 27909$152
Gates County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 27909$185
Gates County$140

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

No price history available

New Construction

AgentDusty Thayer
BrokerageOwn Real Estate LLC

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