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1515 Ann Street, Wilmington, NC, 28401

3beds
4baths
2,130sqft
$625,000
$293price/sqft
$3,827/moest. monthly cost
$153,080/yrincome needed

About This Home

A rare opportunity to own a totally renovated home in Wilmington's vibrant Cargo District. Thoughtfully reimagined for the discerning buyer, this exceptional 3-bedroom, 3.5-bath residence blends sophisticated design with premium craftsmanship and high-end finishes throughout. The chef-inspired kitchen is the centerpiece of the home, featuring stunning quartzite countertops with a dramatic waterfall island, a gas range, and a spacious walk-in butler's pantry that provides exceptional storage and prep space. Adjacent to the kitchen, a thoughtfully designed mud room/drop zone offers convenient access to the outdoor area, creating the perfect transition for everyday living and entertaining. Luxury appointments include Andersen windows, two-zone HVAC, a tankless water heater, a gas fireplace, LG Bespoke refrigerator & dishwasher, designer lighting and ceiling fans, and elegant fog-free touchscreen mirrors in the bathrooms. Outdoor living is equally inviting with spacious front porch and a custom deck, providing the perfect spaces to relax or entertain. Additional conveniences including off - street parking and a location just minutes from downtown Wilmington's restaurants, breweries, shopping, dining, and entertainment. Move-in ready and meticulously renovated, this is a unique opportunity to own a distinctive home in one of Wilmington's most exciting and rapidly growing neighborhoods.

Getting Around

72
WalkingVery Walkable
34
TransitSome Transit
56
BikeBikeable

Schools

5/10
6/10
Williston MiddleGrades 6-80.4 mi
3/10
New Hanover HighGrades 9-120.3 mi

Construction

Condition

  • Year built: 1923

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Washer,Self Cleaning Oven,Refrigerator,Dryer,Tankless Water Heater,Gas Range
  • Laundry features: Dryer Hookup,Washer Hookup,Laundry Room

Basement

  • Basement: None

Bedroom1

  • Level: First

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Master Downstairs,Mud Room,Kitchen Island,Ceiling Fan(s),Pantry,Gas Log,Smart Thermostat,WiFi Thermostat
  • Window features: Thermal Windows
  • Flooring: Hardwood
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Storage,Walk-In

Heating & Cooling

  • Heating features: Heat Pump,Electric,Zoned
  • Cooling features: Central Air,Zoned,Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 2,130
  • Total interior livable area: 2,130 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Office

  • Level: Second

Other

  • Level: First

Other

  • Level: First

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: R05406011010000
  • Zoning: R-5
  • Special condition: Standard

Features

  • Levels: Two
  • Pool features: None
  • Patio & porch: Covered,Deck,Front Porch
  • Exterior features: DP50 Windows
  • Fencing: None
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 2000 - 2199

Lot

  • Lot size: 5,227 sqft
  • Features: Corner Lot,Landscaped
  • Lot size dimensions: 50' x 109'

Parking

  • Parking features: Off Street

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
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Winter Weather
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 $3,160$37,920
Home Insurance *$176$2,112
Property Taxes $291$3,492
Electricity $200$2,405
Total$3,827$45,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,211/yr
40% on housing$114,810/yr
45% on housing$102,053/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

$293This listing

vs Other Active Listings

Avg $/sqft

ZIP 28401$201
New Hanover County$308

vs Homes Sold Last Month

Median $/sqft

ZIP 28401$265
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
2026-07-25Listed for sale$625,000
2023-09-28Sold$125,000
2023-09-12Pending sale$199,900
2023-09-04Listed for sale$199,900

For Sale by Agent

AgentTim S Gardner
BrokerageHigh Tide Realty LLC

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