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509 W Palmetto St Lot 13, Kill Devil Hills, NC, 27948

3beds
3baths
1,653sqft
$599,900
$363price/sqft
$3,684/moest. monthly cost
$147,360/yrincome needed

About This Home

This plan is modern, open, bright, and built for beach life! This 2019-home is designed to be totally stress-free. The 3 BR with 3 Full bath plan offers two large living areas, so you’ve got all the flexibility you need—keep the upstairs Living Room for entertaining and the downstairs as a getaway, rec room or private hangout for family or guests. It’s got all the "must-haves" like hardwood floors, custom kitchen cabinets with quartz counters a custom-tiled master shower, Built-in laundry closet with washer and dryer, covered porch, sundeck, outdoor shower and a large ground-level storage room for all your sports, beach and water toys like surfboards and bikes. When you aren't chilling or grillin on deck, you’ll probably be over on Bay Drive enjoying the bike path, boat launch or those famous Kitty Hawk Bay sunsets. Why spend all your time on home chores, with low-maintenance finishes and manageable yard this place is built to be enjoyed, it is move-in ready, and waiting for you to make it your beach place.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

5/10
8/10
7/10
First Flight High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 2019

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Asphalt
  • Construction materials: Frame,Wood Siding,Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: Beach Box
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Cathedral Ceiling(s)
  • Flooring: Carpet,Ceramic Tile,Hardwood

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump,Zoned

Interior Area

  • Total structure area: 1,653
  • Total interior livable area: 1,653 sqft

Property

Details

  • Zoning: V150

Features

  • Waterfront features: None

Lot

  • Lot size: 7,840 sqft
  • Features: Level

Parking

  • Parking features: Carport
  • Carport: 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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

FEMA Declared Disasters in Dare 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 $3,033$36,396
Home Insurance *$197$2,364
Property Taxes $254$3,048
Electricity $200$2,405
Total$3,684$44,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,308/yr
40% on housing$110,520/yr
45% on housing$98,240/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: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$363This listing

vs Other Active Listings

Avg $/sqft

ZIP 27948$286
Dare County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 27948$365
Dare County$373

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

DateEventPrice
2026-05-02Price change$599,900
2026-04-16Listed for sale$625,000

For Sale by Agent

AgentWinston Hawkins
BrokerageBrindley Beach Vacations & Sales - Cor

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