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99 Dundee Trail, Holly Ridge, NC, 28445

1beds
1baths
768sqft
$125,000
$163price/sqft
$928/moest. monthly cost
$37,120/yrincome needed

About This Home

Looking for an affordable home 10 minutes from the beach? This one bedroom one bathroom home is waiting for you! Furnishings are negotiable making this an easy, turnkey option for a primary residence, vacation getaway, or investment property. the lot offers ample space for a garage, workshop, RV, or boat. You can easily build or upgrade to a larger home in the future. Enjoy the benefits of no HOA and no city taxes, allowing for maximum flexibility and lower holding costs. Home next door is a profitable Airbnb and has the same layout and sqft. The home is set up to be wheelchair accessible including the shower, bathroom, kitchen , and wider doors. Ideally located just 5 miles from the beach and even closer to a public boat ramp, you'll also be minutes from local shopping, fishing, and restaurants. Zoned for the highly sought-after Coastal Elementary School District and positioned near the Pender/Onslow County line, this property offers easy access to: Camp Lejeune, Stone Bay / MARSOC, New River Air Station, Wilmington, UNCW, major hospitals & ILM Airport are all close by. Property shares well and septic with neighboring property. THIS IS PRICE FOR LAND AND HOME TOGETHER. $150/year road maintenance agreement per lot Owners are NC licensed real estate agents

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

10/10
Coastal ElementaryGrades K-55.4 mi
7/10
Dixon MiddleGrades 6-89.1 mi
5/10
Dixon HighGrades 9-129.1 mi

Construction

Condition

  • Year built: 2018

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Electric Oven,Refrigerator
  • Laundry features: Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • None

Heating & Cooling

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

Interior Area

  • Total structure area: 384
  • Total interior livable area: 768 sqft

Property

Accessibility

  • Accessibility features: Accessible Kitchen,Accessible Full Bath,Accessible Doors

Details

  • Parcel number: 73540.76
  • Zoning: R-10A
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Other
  • Exterior features: Cluster Mailboxes
  • Fencing: None
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 200 - 399

Lot

  • Lot size: 10,019 sqft
  • Lot size dimensions: TBD

Parking

  • Parking features: Gravel

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 WeatherVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Onslow 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 $632$7,584
Home Insurance *$30$360
Property Taxes $66$792
Electricity $200$2,405
Total$928$11,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,817/yr
40% on housing$27,840/yr
45% on housing$24,746/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 28445$332
Onslow County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 28445$235
Onslow County$173

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
2026-08-16Price change$120,000
2026-08-03Listed for rent$1,000
2026-07-30Listed for sale$125,000
2026-07-05Listing removed$129,000
2026-06-28Price change$129,000
2026-06-26Price change$135,000
2026-05-03Price change$289,000
2026-04-15Listed for sale$300,000

For Sale by Agent

AgentCatherine Siag
BrokerageColdwell Banker Sea Coast Advantage-Hampstead

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