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6655 Clarks Neck Road, Washington, NC, 27889

2beds
1baths
1,344sqft
$330,000
$246price/sqft
$2,230/moest. monthly cost
$89,200/yrincome needed

About This Home

Welcome to your own slice of waterfront paradise! This charming 2-bedroom, 1-bath A-frame home offers stunning views and endless potential along the beautiful Tar River. Step inside to a warm and inviting living room featuring a soaring vaulted ceiling and a cozy woodstove--perfect for relaxing evenings. The spacious kitchen is equipped with a gas stove and a stainless steel refrigerator approximately one year old, making it both functional and stylish. The main level includes a comfortable primary bedroom with a full bathroom conveniently located just across the hall. Upstairs, you'll find a second bedroom, while an additional finished room over the garage provides the flexibility to create a third bedroom, home office, or guest space. Outside, enjoy the best of waterfront living. An oversized back deck offers the perfect spot to take in river views, while the lower deck features a lever-style boat lift for easy water access. Even better--this property includes your very own private boat ramp, making every day on the water effortless. Situated on 1.29 acres, the property is lined with privacy trees along the road and features ample bulkhead already in place. A large 2-car garage is ready for vehicles, storage, or hobbies. Additionally, there is a sizable waterfront building that formerly operated as a bait and sandwich shop. While it currently holds no value and will require a complete renovation or removal, it presents a unique opportunity for future vision and use. With space, privacy, and unbeatable water access, this property truly has it all. Don't miss your chance to make it yours!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

5/10
5/10
D H Conley High SchoolGrades 9-1212.8 mi

Construction

Condition

  • Year built: 1977

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Oven,Refrigerator,Dishwasher
  • Laundry features: Dryer Hookup,Washer Hookup,Laundry Room

Bathroom1

  • Level: First

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • High Ceilings
  • Flooring: Carpet,Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 1,344
  • Total interior livable area: 1,344 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Other

  • Level: Second

Property

Details

  • Parcel number: 014245
  • Zoning: RR
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Deck,Front Porch
  • Fencing: Wire
  • Has view: Yes
  • View description: None
  • On waterfront: Yes
  • Waterfront features: Boat Ramp,Bulkhead
  • Frontage type: River
  • Living area range: 1200 - 1399

Lot

  • Lot size: 1.29 Acres
  • Features: Boat Ramp,Bulkhead,Navigable Water
  • Lot size dimensions: Iregular

Parking

  • Total spaces: 2
  • Parking features: Gravel
  • 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
    HurricaneRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

FEMA Declared Disasters in Pitt 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 $1,668$20,016
Home Insurance *$164$1,968
Property Taxes $198$2,376
Electricity $200$2,405
Total$2,230$26,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,457/yr
40% on housing$66,900/yr
45% on housing$59,466/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$246This listing

vs Other Active Listings

Avg $/sqft

ZIP 27889$152
Pitt County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 27889$158
Pitt County$159

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
2026-08-09Pending sale$330,000
2026-06-06Listed for sale$330,000
2026-05-06Pending sale$330,000
2026-04-13Listed for sale$330,000
2024-04-19Sold$300,000
2024-03-27Pending sale$325,000
2024-02-13Listed for sale$325,000
2024-01-24Pending sale$325,000
2024-01-10Listed for sale$325,000

For Sale by Agent

AgentShane Noblin
BrokerageeXp Realty

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