401 Harbor Drive, New Bern, NC, 28560
About This Home
Welcome to 401 Harbor Dr, where waterfront living meets a central, convenient location. This one-of-a-kind 2-bedroom, 2-bathroom home offers 114 feet of Neuse River frontage and is just a quick 5-minute drive to historic downtown New Bern. Step through the front doors into a welcoming foyer featuring refinished hardwood floors with an intricate tile inlay, soaring 20-foot ceilings, and a striking stamped metal ceiling. The living room showcases panoramic river views through floor-to-ceiling windows, filling the home with abundant natural light. The kitchen is perfect for entertaining, offering picturesque water views, numerous built-ins, a center island, a large pantry, and all major appliances. Host gatherings with ease while enjoying the serene backdrop of the river. The spacious primary suite features hardwood floors and two walk-in closets. The en-suite bathroom includes a soaking tub and a walk-in shower. The second bedroom is generously sized, also with hardwood floors and its own private full bathroom. An office with built-in shelving provides the perfect space to display your favorite pieces, and the laundry room is conveniently located just off the office. Start your mornings on the stunning back deck, complete with aluminum railing, as you take in breathtaking sunrises over the river and the peaceful sounds of nature. This sale also includes a parcel of 0.12 acres of land (ID #8-235-1000) containing a 708 sq ft detached building across the street, currently used as an artist studio--offering additional space and creative potential.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1998
Materials
- Foundation: Crawl Space
- Roof: Architectural Shingle
- Construction materials: Brick Veneer,Wood Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Bedroom2
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: First
Features
- Walk-in Closet(s),High Ceilings,Entrance Foyer,Bookcases,Kitchen Island,Ceiling Fan(s),Pantry,Walk-in Shower,Built-in Features,Tile Counters,Walk-In Closet(s)
Heating & Cooling
- Heating features: Gas Pack,Heat Pump,Natural Gas
- Cooling features: Heat Pump
Interior Area
- Total structure area: 2,038
- Total interior livable area: 2,038 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: First
Office
- Level: First
Property
Details
- Parcel number: 8111 013
- Zoning: R
- Special condition: Standard
Features
- Levels: One
- Patio & porch: Deck,See Remarks,Balcony
- Fencing: None
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: Bulkhead,Waterfront
- Frontage type: River
- Living area range: 2000 - 2199
Lot
- Lot size: 0.36 Acres
- Features: Bulkhead,Deeded Waterfront
- Lot size dimensions: Irregular
Parking
- Total spaces: 1
- Parking features: Concrete
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Winter Weather
- Lightning
- Tornado
- Coastal Flooding
- Heat Wave
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Craven County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,918 | $47,016 |
| Home Insurance * | $315 | $3,780 |
| Property Taxes | $547 | $6,564 |
| Electricity | $200 | $2,405 |
| Total | $4,980 | $59,760 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-15 | Listed for sale | $795,000 |
| 2013-05-01 | Sold | $30,000 |
| 1996-05-08 | Sold | $36,000 |
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