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512 Middle Street, New Bern, NC, 28560

5beds
3baths
3,235sqft
$950,000
$294price/sqft
$6,156/moest. monthly cost
$246,240/yrincome needed

About This Home

An extraordinary opportunity to own the Claudius E. Foy House, one of the most historically significant residences in Downtown New Bern! Designed by renowned architect Herbert Woodley Simpson, whose work helped shape the City's architectural legacy, this exceptional home has been thoughtfully updated while preserving an extraordinary collection of original details rarely found in such remarkable condition. Step inside to a breathtaking foyer featuring a grand turned staircase, exquisite millwork, stunning hardwood floors, handcrafted mantels for six fireplaces (one with gas logs), an elegant formal dining room, and what is believed to be more original pressed tin ceilings than any other home Downtown. The craftsmanship throughout is simply unmatched! Offering five bedrooms, including a primary suite, the home also features a first-floor bedroom (currently used as a den) with a detached full bath, an updated kitchen, a light-filled sun porch, one of Downtown's most inviting front porches, beautifully landscaped grounds, and off-street parking. The insulated attic (1051 sq ft) with an interior stair case could potentially be finished for additional space. As if that weren't enough, the property also includes a recently completed detached studio cottage (406 sq ft) with a kitchenette, bathroom, washer/dryer hook ups, Murphy bed, and living space--perfect for guests, a private office, an artist's studio, or a cool entertaining space. Adjacent to the cottage is a custom storage area/workshop (247 sq ft), offering the perfect space for hobbies, projects, recreational gear, and more. Just a few blocks from the restaurants, shops, waterfront, and cultural attractions of Downtown New Bern, the Claudius E. Foy House represents a rare opportunity to own one of the city's true architectural treasures. Homes of this caliber seldom become available. Note square footage: home = 3367; attic = 1051; basement = 621; studio cottage = 406; storage/workshope = 247.

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
74
BikeVery Bikeable

Schools

6/10
9/10
Grover C Fields MiddleGrades 6-81.9 mi
3/10
New Bern HighGrades 9-124.4 mi

Construction

Condition

  • Year built: 1901

Materials

  • Foundation: Combination
  • Roof: Metal
  • Construction materials: Wood Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic District,Historic Home
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: Crawl Space,Unfinished

Bathroom1

  • Level: Second

Bathroom2

  • Level: Second

Bathroom3

  • Level: First

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First

Features

  • Walk-in Closet(s),High Ceilings,Generator Plug,Kitchen Island,Ceiling Fan(s),Walk-in Shower,Basement,Blinds/Shades,Gas Log,Walk-In Closet(s)
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump,Electric,Forced Air,Natural Gas
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 3,235
  • Total interior livable area: 3,235 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Sunroom

  • Level: First

Property

Details

  • Parcel number: 8002 115
  • Zoning: residential
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Porch
  • Fencing: Back Yard,Wood
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 3000 - 3499

Lot

  • Lot size: 6,098 sqft
  • Lot size dimensions: 54.5 x 107

Parking

  • Parking features: Off Street

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 WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Lightning
Strong Wind
Tornado
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 $4,803$57,636
Home Insurance *$386$4,632
Property Taxes $666$7,992
Electricity $301$3,615
Total$6,156$73,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$211,062/yr
40% on housing$184,680/yr
45% on housing$164,160/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

$294This listing

vs Other Active Listings

Avg $/sqft

ZIP 28560$159
Craven County$161

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)

Price History

DateEventPrice
2026-08-08Listed for sale$950,000
2024-03-25Sold$820,000
2024-02-09Pending sale$800,000
2024-02-05Listed for sale$800,000
2021-10-08Sold$646,000
2021-08-27Pending sale$659,000
2020-01-17Sold$400,000
2019-12-08Pending sale$495,000
2019-10-04Price change$495,000
2019-04-10Listed for sale$515,000
2018-09-08Listing removed$465,000
2018-06-14Price change$465,000
2018-04-13Price change$499,000
2018-02-20Price change$519,000
2017-10-09Price change$524,000
2017-08-01Listed for sale$547,000
2017-06-30Listing removed$575,000
2017-03-08Price change$575,000
2016-12-13Price change$599,000
2016-09-19Price change$649,000
2016-05-20Listed for sale$665,000

For Sale by Agent

AgentMARY MCLEOD
BrokerageCOLDWELL BANKER SEA COAST ADVANTAGE

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