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4664 White Oak Ln, Hillsborough, NC, 27278

4beds
4baths
4,191sqft
$839,000
$200price/sqft
$5,375/moest. monthly cost
$215,000/yrincome needed

About This Home

Beautiful views from this one of a kind timber framed home on 5.19 acres! 4 bedrooms, 3-1/2 baths, recreation room, loft with wall of window views and balcony, 1st floor master suite and 2nd master suite in walk-out basement. Large 2 car garage with shop/workout area in the back. Covered patio, large deck with hot tub, basement has long walk out patio, generator, tankless water heater, water softener, shelving in shop, granite counter tops in kitchen, wall oven and microwave, smooth cooktop, pendant lights, island, crown molding, wood floors first and second floor except bathrooms and kitchen which are tile, dual vanities and walk-in shower in primary bath, two story family room and more! NEW roof! Less than 15 minutes to Historic Hillsborough.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

5/10
Pathways ElementaryGrades PK-55.7 mi
5/10
Orange Middle SchoolGrades 6-86.3 mi
6/10
Orange HighGrades 9-126.1 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Cedar

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Microwave,Tankless Water Heater
  • Laundry features: Laundry Closet,Main Level

Basement

  • Has basement: Yes
  • Basement: Daylight, Exterior Entry, Finished, Interior Entry, Sump Pump, Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Bathtub/Shower Combination,Ceiling Fan(s),Double Vanity,Granite Counters,Kitchen Island,Kitchen/Dining Room Combination,Separate Shower,Smooth Ceilings,Vaulted Ceiling(s),Walk-In Closet(s),Walk-In Shower
  • Flooring: Carpet,Hardwood,Tile
  • Finished area below ground: 1,774
  • Finished area above ground: 2,417

Heating & Cooling

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

Interior Area

  • Total structure area: 4,191
  • Total interior livable area: 4,191 sqft

Property

Details

  • Parcel number: 9897455860
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Exterior features: Fire Pit,Rain Gutters
  • Has spa: Yes
  • Has view: Yes

Lot

  • Lot size: 5.19 Acres
  • Features: Hardwood Trees,Partially Cleared
  • Lot size dimensions: 0

Parking

  • Total spaces: 2
  • Parking features: Circular Driveway,Concrete,Driveway,Garage,Garage Door Opener,Garage Faces Front,Parking Pad,Workshop in Garage
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Winter Weather
Drought
Hail
Hurricane
Heat Wave
Ice Storm
Tornado

FEMA Declared Disasters in Orange 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 $4,242$50,904
Home Insurance *$251$3,012
Property Taxes $492$5,904
Electricity $390$4,684
Total$5,375$64,500
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$184,285/yr
40% on housing$161,250/yr
45% on housing$143,333/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 27278$257
Orange County$273

vs Homes Sold Last Month

Median $/sqft

ZIP 27278$236
Orange County$264

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
2026-04-06Listed for sale$839,000
2023-12-08Listing removed--
2023-08-30Listed for sale$799,900
2018-08-27Sold$489,900
2018-06-12Pending sale$489,900
2018-06-08Listed for sale$489,900
2016-05-31Sold$420,000

For Sale by Agent

AgentJackie Gautreau
BrokeragePrime One Realty

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