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105/107 River Ridge Trl, Mount Gilead, NC, 27306

1beds
1baths
748sqft
$160,000
$214price/sqft
$1,216/moest. monthly cost
$48,640/yrincome needed

About This Home

Welcome to 105/107 River Ridge Tr. This double lot property features a 1995 park model with an addition, plus a second unit that is a 30' 2016 Keystone Coleman with 2 slides. Parking is abundant with space both at the top and bottom of the concrete driveway. Enjoy the extensive outdoor space, highlighted by a cozy fire pit area with peeks of the water in the summer and lovely views in the winter. The exterior is setup perfect for entertaining, featuring a picnic table, a swing, an additional swing frame and a dining area set with four chairs a table and umbrella. The blue building will remain. Park model has 748 square feet. Inside the park model you are greeted by a well-sized living room with a fabulous propane stove and freshly painted cabinets. This home features a dining area with a large window and an awesome pantry with great shelving and a beverage refrigerator. The oversized bathroom offers ample storage and the spacious bedroom includes a nice closet and two queen beds that will remain Recent update include a 3 year old metal roof, new washer and dryer, added gutters and recently serviced the HVAC system. This home also features an on demand propane hot water , a gas line to the patio and a gas line to the dryer (not in use). The sale includes a recently serviced 1992 club car golf card. A must see property for those seeking comfort and convenience. Excluded from the sale is white building. We are leaving the water feature. The sound is soothing. This unit is attached to real estate!! Second unit features a 2016 Keystone Coleman (30') with two slides. This unit includes a primary bedroom with a queen bed and a bunk room with three bunks and an additional twin bed. This unit features a full bathroom with a standard toilet and has been hard plumed to replace the original black tank system. The camper has 299 square feet. Cosmetic updates have been started, including a initial coat of paint; the unit is ready for your finishing touches. Please note: the 2016 Keystone camper has cosmetic wall damage in the main bedroom, resulting from a previous , fully repaired roof leak. Utilities Disclosure, both units are currently operated on a group septic system. The property is in the process of transitioning to an individual system connected to the county sewer line. All buyers have to be a realtor to gain entry to the community.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

2/10
Mount Gilead ElementaryGrades PK-56.0 mi
6/10
West MiddleGrades 6-89.2 mi
7/10
Montgomery Learning AcademyGrades 6-1212.8 mi

Construction

Condition

  • Year built: 1995

Materials

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

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Gas Range,Ice Maker,Microwave
  • Laundry features: In Kitchen

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • Flooring: Tile,Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 748

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 748
  • Total interior livable area: 748 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 657518423103/3019
  • Zoning: RV
  • Special condition: Standard

Features

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

Lot

  • Lot size: 0.16 Acres
  • Features: Level,Sloped
  • Lot size dimensions: 75 x 76 x 79 x 104

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 $809$9,708
Home Insurance *$130$1,560
Property Taxes $77$924
Electricity $200$2,405
Total$1,216$14,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,691/yr
40% on housing$36,480/yr
45% on housing$32,426/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

$214This listing

vs Other Active Listings

Avg $/sqft

ZIP 27306$125
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
2026-08-06Price change$157,900
2026-08-02Price change$160,000
2026-07-20Price change$165,000
2026-07-16Price change$179,500
2026-06-11Listed for sale$183,000

For Sale by Agent

AgentKathy Austin
BrokerageTwin Harbor Happy Place

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