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316 Saint Rosea Rd, Wilmington, NC, 28405

2beds
2baths
930sqft
$225,000
$242price/sqft
$1,500/moest. monthly cost
$60,000/yrincome needed

About This Home

Great opportunity to own in Wilmington in the low $200's! Solid 2 bedroom, 2 bath townhome with new exterior fence and new interior paint. Spacious and open with split floor plan to allow for privacy. Master has walk in closet. Wonderful option for investment, collage students or a weekend beach getaway! Don't miss your chance to purchase in this well managed townhome community in the Wilmington city limits-minutes to UNCW, the beach, shopping and downtown.

Getting Around

54
WalkingSomewhat Walkable
39
TransitSome Transit
50
BikeBikeable

Schools

6/10
M C S Noble MiddleGrades 6-83.4 mi
4/10
Emsley A Laney HighGrades 9-124.0 mi

Construction

Condition

  • Year built: 1998

Materials

  • Roof: Shake
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Washer

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 930
  • Total interior livable area: 930 sqft

Property

Details

  • Parcel number: R04910008029000

Features

  • Patio & porch: Patio

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
  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Winter Weather
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Ice Storm
Tornado
Tsunami

FEMA Declared Disasters in New Hanover 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 $1,137$13,644
Home Insurance *$58$696
Property Taxes $105$1,260
Electricity $200$2,405
Total$1,500$18,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,428/yr
40% on housing$45,000/yr
45% on housing$40,000/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: 9.5%
9.5%
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

$242This listing

vs Other Active Listings

Avg $/sqft

ZIP 28405$214
New Hanover County$309

vs Homes Sold Last Month

Median $/sqft

ZIP 28405$270
New Hanover County$260

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
2026-07-01Price change$225,000
2026-06-12Listed for sale$229,500
2026-06-08Listing removed$1,400
2026-06-01Price change$1,400
2026-05-14Price change$1,500
2026-04-24Listed for rent$1,550
2021-07-23Sold$165,000
2011-04-15Listing removed$109,900
2010-07-16Listed for sale$109,900
2010-04-08Listing removed$109,900
2009-09-30Price change$109,900
2009-09-26Listed for sale$119,000
2005-05-03Sold$87,000

For Sale by Agent

BrokerageCarolina Premier Properties

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