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121 Harbour Drive, Hubert, NC, 28539

5beds
5baths
5,609sqft
$1,280,000
$228price/sqft
$8,163/moest. monthly cost
$326,520/yrincome needed

About This Home

This exceptional WATERFRONT 2.28-acre Intracoastal Waterway property offers a rare opportunity to create a second waterfront homesite (4 bedroom septic permit in hand), making it ideal for a family compound, guest residence, future investment, or resale potential. The additional homesite could enjoy the existing dock exclusively or utilize the dock as a shared amenity between the two properties. Already in place and ready for boating enthusiasts, the private dock features two 10,000-lb boat lifts, with average water depths of approximately 4 to 6 feet and easy access to the ICW, Swansboro, and nearby islands. Beyond the incredible waterfront and land opportunity, this impressive residence offers 5,609 heated square feet designed for comfortable living and entertaining. Featuring 5 spacious bedrooms, 4.5 baths, a dedicated woodworking/craft room, and an attached oversized garage with overhead camper/boat storage, there's room for everyone and everything. Waterfront views, endless outdoor enjoyment, and a short boat ride to some of the Crystal Coast's most sought-after destinations make this property truly special. Additional amenities include a four-person hot tub, geothermal heating and cooling system, irrigation system, and beautiful Arcadia wood floors in the kitchen, foyer, and dining areas. The well-appointed kitchen includes all appliances, while additional conveyances include a garage freezer, pantry refrigerator and freezer, a floor-mounted gun safe, a wet bar refrigerator in the upstairs bonus room, and a wine refrigerator in the kitchen. With its combination of luxury living, boating convenience, acreage, and the rare opportunity for an additional waterfront homesite, this property presents a truly exceptional opportunity. Please ask the listing agent for the full additional features sheet, and make your own private appointment for a tour.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

7/10
Sand Ridge ElementaryGrades K-51.7 mi
6/10
Swansboro MiddleGrades 6-84.9 mi
8/10
Swansboro HighGrades 9-124.4 mi

Construction

Condition

  • Year built: 1974

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Mini Refrigerator,Electric Oven,Electric Cooktop,Built-In Microwave,Freezer,Washer,Refrigerator,Ice Maker,Dryer,Dishwasher
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Walk-in Closet(s),Entrance Foyer,Pantry,Walk-in Shower,Wet Bar,Blinds/Shades,Walk-In Closet(s)
  • Window features: Skylight(s)
  • Flooring: Carpet,Tile,Wood

Heating & Cooling

  • Heating features: Geothermal,Other
  • Cooling features: Other

Interior Area

  • Total structure area: 5,609
  • Total interior livable area: 5,609 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1316a5
  • Zoning: R-20
  • Special condition: Standard

Features

  • Levels: Two
  • Pool features: Above Ground,Pool/Spa Combo
  • Patio & porch: Deck,Patio,Porch,Balcony
  • Exterior features: Irrigation System
  • Fencing: None
  • Has view: Yes
  • View description: ICW,Water
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Pier,Boat Lift,Deeded Water Access,Waterfront,Water Depth 4+,ICW Front
  • Frontage type: ICW Front
  • Living area range: 5500 - 5999

Lot

  • Lot size: 2.28 Acres
  • Features: Boat Dock,Boat Lift,Deeded Water Access,Deeded Waterfront,Pier,Water Depth 4+
  • Lot size dimensions: irregular

Parking

  • Total spaces: 3
  • Parking features: Garage Faces Side,Circular Driveway,Attached,Concrete,On Site,Paved
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Hurricane
    HurricaneRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Coastal Flooding
Lightning
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 $6,472$77,664
Home Insurance *$472$5,664
Property Taxes $697$8,364
Electricity $522$6,269
Total$8,163$97,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$279,874/yr
40% on housing$244,890/yr
45% on housing$217,680/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

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 28539$134
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
2026-08-08Price change$1,260,000
2026-06-30Price change$1,280,000
2026-06-25Price change$1,375,000
2026-06-12Listed for sale$1,400,000
2024-11-23Listing removed$1,360,000
2024-11-06Listed for sale$1,450,000
2018-06-07Sold$550,000
2018-04-21Pending sale$550,000
2018-04-21Listed for sale$550,000
2017-06-13Listing removed$584,900
2017-06-06Price change$584,900
2016-12-02Listed for sale$599,900
2016-05-02Listing removed$599,900
2015-05-01Price change$599,900
2014-11-01Listed for sale$648,500
2014-09-30Listing removed$648,500
2014-06-05Listed for sale$648,500

For Sale by Agent

AgentCrystal Coast Home Finders Team
BrokerageRealty One Group Navigate

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