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106 Catawba #F188, Mount Gilead, NC, 27306

1beds
1baths
640sqft
$159,900
$250price/sqft
$1,215/moest. monthly cost
$48,600/yrincome needed

About This Home

Welcome to the freshly updated and turnkey property in Twin Harbor. Great quiet lot on cul-de-sac. This unit is ready to go, so unpack your bags and start having fun in your "Happy Place" here in the park. A decorators delight from the moment you drive up. Large two tier fenced deck with shade trees to enjoy the great outdoors. Enter into a nice size living room with all the comforts of home. Cozy seating to host your guests. Electric fireplace with blower. Additional propane heater. Wall mounted TV and a new mini split for all your climate control needs. All furnishings to remain. Updated vinyl tilt windows for easy cleaning. There is a pass through window to the kitchen with a bar and seating for two. The kitchen has a full size stove and sink. Nice size pantry. The dining area with table and chairs to read the paper and have coffee. Large main bedroom with barn doors. Updated bathroom with full size tub. Secondary bedroom is currently being used as the laundry room/closet. Washer/Dryer to remain. Also includes a 2002 Club Car Golf Cart. Perfect for a weekend getaway or for full time living. No title to camper, bill of sale will be provided. All buyers must be with a realtor to gain entry into the park.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

2/10
Mount Gilead ElementaryGrades PK-55.7 mi
6/10
West MiddleGrades 6-88.7 mi
7/10
Montgomery Learning AcademyGrades 6-1212.4 mi

Construction

Condition

  • Year built: 1976

Materials

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

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Electric Range,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Room

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • Flooring: Vinyl,Wood
  • Fireplace features: Living Room
  • Finished area below ground: 0
  • Finished area above ground: 640

Heating & Cooling

  • Heating features: Ductless,Propane,Space Heater
  • Cooling features: Ductless

Interior Area

  • Total structure area: 640
  • Total interior livable area: 640 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 657515625817
  • Zoning: RV
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Deck
  • Fencing: Back Yard
  • Waterfront features: Beach - Public,Boat Ramp – Community,Boat Slip – Community
  • Waterbody name: Lake Tillery

Lot

  • Lot size: 0.08 Acres
  • Features: Cul-De-Sac
  • Lot size dimensions: 27 x 54 x 74 x 68

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 $808$9,696
Home Insurance *$130$1,560
Property Taxes $77$924
Electricity $200$2,405
Total$1,215$14,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,657/yr
40% on housing$36,450/yr
45% on housing$32,400/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

$250This 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
2026-07-17Price change$159,900
2026-06-23Listed for sale$169,000

For Sale by Agent

AgentKathy Austin
BrokerageTwin Harbor Happy Place

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