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3908 Waterton Rd, Summerfield, NC, 27358

2beds
1baths
1,408sqft
$444,500
$316price/sqft
$2,925/moest. monthly cost
$117,000/yrincome needed

About This Home

Truly one-of-a-kind charming castle on the lake with stunning waterfront views. Overbuilt custom post and beam construction with floor to ceiling windows. Soaring vaulted ceilings and open floor plan. Castle doors crafted with antique European hardware. Warm and inviting brick flooring throughout the home featuring massive fireplace. Custom kitchen cabinetry with hand- carved features and handmade copper apron sink. Newer appliances as of 2023. Unique vintage European lighting fixtures throughout the home. The bathroom features an impressive walk in shower with amazing statue decor. French doors in both bedrooms offer direct access to a full length deck with expansive water views and steps leading onto a covered cabana overlooking the water for seamless indoor-outdoor living. Perfect for entertaining, fishing, swimming and boating. New HVAC installed in 10/25. Surrounded by mature trees, this property offers a private, serene atmosphere that’s truly one-of-kind.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

9/10
5/10

Construction

Condition

  • Year built: 1972

Materials

  • Construction materials: Stone,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Stick/Site Built,Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 1,408

Heating & Cooling

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

Interior Area

  • Total structure area: 1,408
  • Total interior livable area: 1,408 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 148129
  • Zoning: RS-40
  • Special condition: Owner Sale

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 0.49 Acres

Parking

  • Parking features: Driveway
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Hail
Hurricane
Ice Storm
Lightning
Tornado

FEMA Declared Disasters in Guilford 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 $2,247$26,964
Home Insurance *$134$1,608
Property Taxes $344$4,128
Electricity $200$2,405
Total$2,925$35,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,285/yr
40% on housing$87,750/yr
45% on housing$78,000/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: 10.0%
10.0%
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

$316This listing

vs Other Active Listings

Avg $/sqft

ZIP 27358$214
Guilford County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 27358$192
Guilford County$175

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
2026-05-08Price change$484,900
2026-04-12Listed for sale$499,900
2025-11-15Listing removed$2,200
2025-10-19Price change$2,200
2025-10-07Listed for rent$2,285
2023-06-14Listing removed--
2023-06-10Listed for rent$2,285
2021-03-24Listing removed--
2019-04-25Listing removed$1,500
2019-04-07Listed for rent$1,500
2014-04-22Listing removed$1,500
2014-01-08Listed for rent$1,500
2013-08-12Listing removed$1,500
2013-08-04Listed for rent$1,500
2012-06-22Listing removed$1,350
2012-06-01Price change$1,350
2012-05-01Listed for rent$1,500
1999-12-22Sold$143,000

For Sale by Agent

AgentMatthew Millaway
BrokerageeXp Realty

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