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3948 Ashcroft Drive, Winterville, NC, 28590

5beds
4baths
3,230sqft
$495,000
$153price/sqft
$3,472/moest. monthly cost
$138,880/yrincome needed

About This Home

Two full primary suites -- one on the main level, one upstairs -- make 3948 Ashcroft Drive rare in the under-$550K Winterville market: a genuine multigenerational home where an aging parent, in-laws, or extended family can share one roof with the homeowner's own household, each generation with their own primary bedroom, full bath, and self-contained retreat. The main-level primary opens directly off the kitchen, living areas, and ground-level entrances. The upstairs primary takes the entire second floor along with a tucked-away bonus space behind it, functioning as a separate, completely private retreat. Three additional first-floor bedrooms keep everyone connected on the main level. Two complete primary suites under one address -- extended family stays close, with full privacy on each floor. Already in place: two brand-new HVAC units, every light fixture replaced, a sunroom added off the back, a fully fenced yard, and a dedicated grilling area off the kitchen. The home now stands at 2,990 heated square feet / 3,892 total under roof -- a meaningful expansion of the original 2004 build -- on a 0.18-acre lot in Ashcroft Village. At $549,000: two new HVAC units, no HOA, full owner control of paint, parking, fencing, and landscaping. Want the front door red? Park the boat in the driveway. Plant the garden you've been planning. The decisions are yours. Twelve minutes to ECU Health and downtown Greenville. NC-11 and US-264 right there. Two suites, one roof, one tax bill -- ready when you are.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

7/10
E B Aycock Middle SchoolGrades 6-82.1 mi
5/10
Junius H Rose HighGrades 9-122.5 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Architectural Shingle
  • Construction materials: Aluminum Siding,Brick Veneer,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Patio
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Microwave,Dishwasher,Electric Range

Basement

  • Basement: None

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: Second

Bathroom4

  • Level: Second

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Level: First

Features

  • Vaulted Ceiling(s),Tray Ceiling(s),High Ceilings,Walk-in Shower,Built-in Features
  • Flooring: Vinyl
  • Attic: Pull Down Stairs,Walk-In

Heating & Cooling

  • Heating features: Fireplace(s),Electric,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,230
  • Total interior livable area: 3,230 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 066720
  • Zoning: R6S
  • Special condition: Standard

Features

  • Levels: Two
  • Pool features: None
  • Patio & porch: Screened
  • Exterior features: None
  • Fencing: Vinyl
  • Has view: Yes
  • View description: See Remarks
  • Waterfront features: None
  • Frontage type: See Remarks
  • Living area range: 3000 - 3499

Lot

  • Lot size: 7,840 sqft
  • Features: Landscaped
  • Lot size dimensions: 60 x 130

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Winter Weather
    Winter WeatherRelatively High
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Hurricane
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Pitt 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 $2,502$30,024
Home Insurance *$265$3,180
Property Taxes $405$4,860
Electricity $300$3,610
Total$3,472$41,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,040/yr
40% on housing$104,160/yr
45% on housing$92,586/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$153This listing

vs Other Active Listings

Avg $/sqft

ZIP 28590$124
Pitt County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 28590$167
Pitt County$159

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
2026-04-16Listing removed$2,900
2026-03-24Listed for rent$2,900
2023-11-27Listing removed--
2023-11-02Price change$2,495
2023-10-06Listed for rent$2,600
2023-10-04Sold$350,000
2023-08-11Pending sale$349,900
2023-08-05Listed for sale$349,900
2005-05-17Sold$239,000

Coming Soon

AgentVictoria Pinder
BrokerageeXp Realty

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