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422 Matthews Farm Road Lot 181, Hubert, NC, 28539

5beds
4baths
3,221sqft
$443,090
$138price/sqft
$2,939/moest. monthly cost
$117,560/yrincome needed

About This Home

Welcome to Surfside Landing! Located just 5 minutes from the coastal town of Swansboro and 6 minutes to the 172 Camp Lejeune Gate. The Tillman Floor Plan is a remarkable design that spans 3,221 square feet, featuring five bedrooms and 3.5 bathrooms, making it ideal for families or those who frequently entertain guests. This two-story layout boasts a formal dining room perfect for gatherings and an open concept kitchen and family room that serves as the heart of the home, complete with a generous kitchen island for meal prep and additional seating. The primary bedroom, conveniently located on the main floor, offers a private retreat with easy access to the living areas. Upstairs, you'll find four spacious bedrooms, two full bathrooms, and a versatile loft space suitable for a game room or study. Additionally, the Tillman plan supports customization options to tailor the home to your personal needs. Equipped with a Home is ConnectedA® package, residents can enjoy smart home integration for enhanced security and convenience. Explore the Tillman plan to discover the lifestyle and comfort it can provide for you and your family.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

5/10
Queens Creek ElementaryGrades PK-53.1 mi
6/10
Swansboro MiddleGrades 6-83.3 mi
8/10
Swansboro HighGrades 9-122.9 mi

Construction

Condition

  • Property condition: To Be Built,Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Architectural Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Built-In Microwave,Disposal,Dishwasher
  • Laundry features: Laundry Room

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Second

Dining Room

  • Level: First

Features

  • Master Downstairs,Walk-in Closet(s),High Ceilings,Kitchen Island,Pantry,Walk-In Closet(s)
  • Flooring: LVT/LVP,Carpet
  • Attic: Pull Down Stairs

Heating & Cooling

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

Interior Area

  • Total structure area: 3,221
  • Total interior livable area: 3,221 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 534403206822
  • Zoning: RA-20
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Patio,Porch
  • Fencing: None
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 3000 - 3499

Lot

  • Lot size: 7,405 sqft
  • Lot size dimensions: 60 x 120 x 60.23 x 120

Parking

  • Total spaces: 2
  • Parking features: Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

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 $2,240$26,880
Home Insurance *$163$1,956
Property Taxes $236$2,832
Electricity $300$3,600
Total$2,939$35,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,765/yr
40% on housing$88,170/yr
45% on housing$78,373/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

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 28539$137
Onslow County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 28539$171
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)

Price History

DateEventPrice
2026-07-15Listed for sale$443,090

New Construction

AgentTeam D.R. Horton
BrokerageD.R. Horton, Inc

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