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128 Indian Harbor Trl #E147, Mount Gilead, NC, 27306

1beds
1baths
658sqft
$110,000
$167price/sqft
$899/moest. monthly cost
$35,960/yrincome needed

About This Home

Who is looking for a place that needs work but has great bones?? This could be the one. Park Model with an addition. Additional common area was bought and added to this lot making is larger than most. 1 Bedroom and 1 bathroom. All electric unit with washer dryer to remain. New metal roof will be installed in the next 2 weeks. There has been a roof leak in the bathroom. The wall behind the shower needs to be replaced. What is there will remain. Come and make this little home into exactly what you want it to be. All buyers must be with a realtor to gain access to the community.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

2/10
Mount Gilead ElementaryGrades PK-55.9 mi
6/10
West MiddleGrades 6-89.1 mi
1/10
Montgomery Learning AcademyGrades 6-1212.8 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Pillar/Post/Pier
  • Construction materials: Vinyl

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater
  • Laundry features: Laundry Closet

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Dining Area

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 658

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 658
  • Total interior livable area: 658 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 657518417682
  • Zoning: RV
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: Community
  • Exterior features: Storage
  • Waterfront features: Beach - Public,Boat Slip – Community
  • Waterbody name: Lake Tillery

Lot

  • Lot size: 0.10 Acres
  • Features: Level
  • Lot size dimensions: 49 x 76 x 89 x 78

Parking

  • Parking features: Driveway
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Tornado
Hurricane
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Montgomery 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 $556$6,672
Home Insurance *$90$1,080
Property Taxes $53$636
Electricity $200$2,405
Total$899$10,788
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$30,822/yr
40% on housing$26,970/yr
45% on housing$23,973/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.8%
-4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 27306$127
Montgomery County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 27306
Montgomery County$193

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
2026-05-08Listed for sale$115,000

For Sale by Agent

AgentKathy Austin
BrokerageTwin Harbor Happy Place

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