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4138 Churchill Circle SE, Southport, NC, 28461

2beds
2baths
1,495sqft
$399,000
$267price/sqft
$2,477/moest. monthly cost
$99,080/yrincome needed

About This Home

Nestled on a quiet circular street with a true sense of community, this charming 2-bedroom, 2-bath home offers comfort, natural light, a fenced in yard, and a peaceful pond setting in one of St. James Plantation most desirable neighborhoods the Georgetown. With the friendliest neighbors and a welcoming atmosphere, this is the perfect place to call home permanently or a second home getaway. Inside, you'll find a bright and airy layout with abundant natural light and a semi-open spacious kitchen that flows nicely into the main living and dining areas. The breakfast nook provides a place to sip on a cup of coffee while enjoying views of the backyard and pond beyond. Vaulted ceilings enhance the sense of space, and updated fixtures add a fresh, modern touch throughout. The primary suite features a walk-in closet and private bath with double vanity and shower, along with direct access to a relaxing heated/cooled three season room ideal for taking in the mild Carolina weather. Step outside to enjoy the grilling deck, fenced-in yard, and a spacious side yard that offers additional room for outdoor living, pets, or gardening. The guest bedroom also features a vaulted ceiling and a beautiful arched window that fills the space with light. An adjacent bathroom works well for guests and entertaining featuring a bathtub/shower combination. Additional features include a propane tankless hot water, good attic storage, and a well-maintained exterior painted 2-3 years ago. With its combination of natural light, functional layout, peaceful setting, and strong neighborhood feel, this home presents a wonderful opportunity to enjoy easy coastal living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
3/10
South Brunswick MiddleGrades 6-85.5 mi
4/10
South Brunswick HighGrades 9-125.7 mi

Construction

Condition

  • Year built: 1999

Materials

  • Foundation: Crawl Space
  • Roof: Shingle
  • Construction materials: Composition,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Microwave,Washer,Refrigerator,Dryer,Disposal,Dishwasher,Tankless Water Heater,Electric Range
  • Laundry features: Dryer Hookup,Washer Hookup,In Hall,Laundry Closet

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Walk-in Closet(s),Vaulted Ceiling(s),High Ceilings,Entrance Foyer,Ceiling Fan(s),Walk-in Shower,Blinds/Shades,Gas Log,Walk-In Closet(s)
  • Flooring: LVT/LVP,Carpet,Tile
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Partially Floored,Pull Down Stairs

Heating & Cooling

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

Interior Area

  • Total structure area: 1,495
  • Total interior livable area: 1,495 sqft

Property

Details

  • Parcel number: 220ib065
  • Zoning: Sj-Epud
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Deck,Enclosed,Patio,Porch
  • Exterior features: Cluster Mailboxes
  • Fencing: Metal/Ornamental,Back Yard
  • Has view: Yes
  • View description: Pond
  • Has water view: Yes
  • Water view: Pond
  • On waterfront: Yes
  • Waterfront features: Water Access Comm,Pond
  • Frontage type: Pond Front
  • Living area range: 1400 - 1599

Lot

  • Lot size: 6,969 sqft
  • Features: Water Access Comm
  • Lot size dimensions: 61 x 70 x 130 x 86

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Paved
  • 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

  • Hurricane
    HurricaneVery High
  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Brunswick County and North Carolina

Fire
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 $2,017$24,204
Home Insurance *$129$1,548
Property Taxes $131$1,572
Electricity $200$2,405
Total$2,477$29,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,925/yr
40% on housing$74,310/yr
45% on housing$66,053/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$267This listing

vs Other Active Listings

Avg $/sqft

ZIP 28461$269
Brunswick County$271

vs Homes Sold Last Month

Median $/sqft

ZIP 28461$243
Brunswick County$205

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
2026-03-18Listed for sale$399,000
2025-12-01Listing removed$389,000
2025-10-28Price change$389,000
2025-09-05Listed for sale$399,900
2018-10-31Listing removed$229,000
2018-10-31Listed for sale$229,000
2018-10-13Pending sale$229,000
2018-09-07Listed for sale$229,000
2012-01-20Sold$179,000
2011-10-15Listed for sale$189,000

For Sale by Agent

AgentNolan K Formalarie
BrokerageDiscover NC Homes

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