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409 Plum Street, New Bern, NC, 28560

2beds
1baths
768sqft
$73,000
$95price/sqft
$632/moest. monthly cost
$25,280/yrincome needed

About This Home

Investor's Opportunity Near Downtown New Bern! Discover the potential in this 2-bedroom, 1-bath home situated just minutes from the bridge into Historic Downtown New Bern. With 768 sq ft and prime Hwy 70 frontage, this property offers convenient access to shops, restaurants, and main travel routes. Perfect for those looking for location and opportunity! This property is ideal for investors and 'flippers'. Transform it into a personal residence, rental property, or even explore Commercial possibilities, thanks to no zoning restrictions and a location outside city limits! Waterview just down the street and the benefit of No HOA. Utilities (water & electric) are currently turned off. Property is being Sold 'AS IS' - No repairs being offered. A survey has already been completed for this property. So whether you're looking to renovate or repurpose the lot , this location offers flexibility and opportunity!

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

7/10
9/10
Grover C Fields MiddleGrades 6-82.6 mi
3/10
New Bern HighGrades 9-124.6 mi

Construction

Condition

  • Year built: 1948

Materials

  • Foundation: Brick/Mortar
  • Roof: Metal
  • Construction materials: Block,Aluminum Siding,Vinyl Siding

Type & Style

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

Interior

Bathroom1

  • Level: First

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Den

  • Level: First

Features

  • Ceiling Fan(s),Blinds/Shades
  • Flooring: Carpet

Heating & Cooling

  • Heating features: Propane,Floor Furnace
  • Cooling features: None

Interior Area

  • Total structure area: 768
  • Total interior livable area: 768 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 7006 096
  • Zoning: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Open,Screened
  • Fencing: Partial
  • Living area range: 600 - 799

Lot

  • Lot size: 3,484 sqft
  • Lot size dimensions: irregular

Parking

  • Parking features: None,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
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Lightning
Tornado
Heat Wave
Ice Storm
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Craven 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 $369$4,428
Home Insurance *$29$348
Property Taxes $34$408
Electricity $200$2,405
Total$632$7,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$21,668/yr
40% on housing$18,960/yr
45% on housing$16,853/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: 9.8%
9.8%
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

$95This listing

vs Other Active Listings

Avg $/sqft

ZIP 28560$162
Craven County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 28560$176
Craven County$171

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
2026-03-25Price change$73,000
2026-02-16Price change$75,000
2025-11-18Price change$79,900
2025-10-23Listed for sale$90,000

For Sale by Agent

AgentHeather Blankenship
BrokerageCOLDWELL BANKER SEA COAST ADVANTAGE

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