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382 Riggs Road, Hubert, NC, 28539

4beds
2baths
1,462sqft
$284,999
$195price/sqft
$1,901/moest. monthly cost
$76,040/yrincome needed

About This Home

Welcome home to this beautifully maintained 4-bedroom, 2-bath property in Hubert, NC, located outside city limits with no city taxes and no HOA. Situated on a spacious 1-acre lot, this home offers the perfect blend of privacy, convenience, and modern living. Step inside and enjoy the gorgeous flooring, charming bay window, and thoughtful upgrades throughout. The fully fenced backyard is ideal for pets, play, and entertaining, featuring a 16x24 deck with a custom-fit canopy that conveys with the home. Need extra storage? The 10x12 shed provides plenty of space for tools, equipment, or hobbies. Outside, you'll love the mature landscaping and established fruit trees, including apple, peach, and grape varieties, creating a beautiful setting year-round. Conveniently located just 8 minutes from Camp Lejeune's back gate, this home offers quick access while avoiding the congestion of Jacksonville and Swansboro traffic. Enjoy coastal living with Hammocks Beach only 13 minutes away and Emerald Isle just 25 minutes from your doorstep. Additional features include a Wi-Fi smart garage door opener, smart thermostat, and a Bluetooth speaker/exhaust fan in the primary bathroom, adding comfort and convenience to everyday life. Space, privacy, smart-home features, and an unbeatable location, this is the one you've been waiting for!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

5/10
Silverdale ElementaryGrades K-53.6 mi
6/10
Swansboro MiddleGrades 6-85.2 mi
8/10
Swansboro HighGrades 9-125.2 mi

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Slab
  • Roof: 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,See Remarks,Washer,Refrigerator,Dryer,Double Oven,Dishwasher
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Walk-in Closet(s),Ceiling Fan(s),Blinds/Shades,Walk-In Closet(s)
  • Door features: Storm Door(s)
  • Flooring: Laminate,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 1,462
  • Total interior livable area: 1,462 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 130028
  • Zoning: R-15
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Deck,Porch,See Remarks
  • Exterior features: Storm Doors
  • Fencing: Chain Link
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 1400 - 1599

Lot

  • Lot size: 1.07 Acres
  • Features: Wetlands
  • Lot size dimensions: Appro x 97 x 467 x 99 x 462

Parking

  • Total spaces: 1
  • Parking features: Concrete,Paved
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • 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
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 $1,441$17,292
Home Insurance *$105$1,260
Property Taxes $155$1,860
Electricity $200$2,405
Total$1,901$22,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,177/yr
40% on housing$57,030/yr
45% on housing$50,693/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

$195This 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
2026-07-13Price change$284,999
2026-07-02Listed for sale$285,000
2026-06-10Contingent$285,000
2026-06-05Listed for sale$285,000
2018-07-17Sold$135,000
2018-05-09Pending sale$139,000
2018-04-13Price change$139,000
2018-03-21Listed for sale$140,000
2016-01-26Listing removed$143,000
2015-09-16Price change$143,000
2015-07-26Listed for sale$146,500
2013-08-17Listing removed$149,900
2013-08-07Pending sale$149,900
2013-07-01Listed for sale$149,900
2007-10-26Sold$130,000
2004-11-08Sold$102,500

For Sale by Agent

AgentReva R. Sullivan
BrokerageHomeSmart Connections

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