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1310 Church Street, Wilmington, NC, 28401

2beds
2baths
1,189sqft
$249,900
$210price/sqft
$1,649/moest. monthly cost
$65,960/yrincome needed

About This Home

Charming and affordable downtown entry-level property featuring two bedrooms and a recent remodel with a new roof, ceiling fans, fresh paint, updated flooring, and modern cabinets. Perfect as a primary residence, rental, or a stylish downtown Airbnb.

Getting Around

75
WalkingVery Walkable
36
TransitSome Transit
58
BikeBikeable

Schools

5/10
6/10
Williston MiddleGrades 6-80.2 mi
3/10
New Hanover HighGrades 9-120.5 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Block,Crawl Space
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator,Range
  • Laundry features: Dryer Hookup,Washer Hookup

Basement

  • Basement: None

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Ceiling Fan(s)
  • Flooring: LVT/LVP
  • Attic: Access Only

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 1,189
  • Total interior livable area: 1,189 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Utility Room

  • Level: First

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: R05406034016000
  • Zoning: R-3
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Porch
  • Exterior features: None
  • Fencing: None
  • Has view: Yes
  • View description: See Remarks
  • Frontage type: See Remarks
  • Living area range: 1000 - 1199

Lot

  • Lot size: 2,613 sqft
  • Features: Interior Lot
  • Lot size dimensions: 32 x 82.5

Parking

  • Parking features: On Street
  • 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
    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 $1,263$15,156
Home Insurance *$70$840
Property Taxes $116$1,392
Electricity $200$2,405
Total$1,649$19,788
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,537/yr
40% on housing$49,470/yr
45% on housing$43,973/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

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 28401$204
New Hanover County$309

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)

No zestimate history available

Price History

DateEventPrice
2026-01-30Price change$249,900
2025-12-16Listed for sale$274,900

For Sale by Agent

AgentBasil Williams
BrokerageKeller Williams Innovate-Wilmington

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