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2406 Harbor Island Road, New Bern, NC, 28562

4beds
3baths
3,195sqft
$1,275,000
$399price/sqft
$8,140/moest. monthly cost
$325,600/yrincome needed

About This Home

Set along the tranquil shores of the Trent River, this exceptional waterfront property blends timeless elegance with thoughtful modern upgrades on over half an acre of beautifully maintained grounds. Mature landscaping surrounds the home, enhanced by striking uplighting that creates a warm, inviting ambiance in the evenings. A brand-new bulkhead secures the shoreline, while a private boat lift and kayak lift make it effortless to enjoy life on the water. Outdoor living is just as impressive, featuring a fire pit patio perfect for gathering under the stars and an expansive Trex deck with rich mahogany railings and a pergola--all overlooking the spacious backyard and serene river views. Inside, wood floors flow throughout most of the home, adding warmth and character. The main level offers a classic layout with a formal living room and formal dining room, complemented by a well-appointed kitchen with stainless steel appliances, a breakfast nook, and a comfortable den with custom built-ins. A heated and cooled sunroom provides year-round enjoyment, and a full bath downstairs adds convenience. Upstairs, the primary en suite is a true retreat, featuring a spa-inspired bathroom with a step-in multi-jet shower, soaking tub, and double vanities. The walk-in closet is outfitted with custom cabinetry for optimal organization. Three additional guest bedrooms share a full hall bath with double vanities and a stacked washer and dryer. A bonus/flex room accessed via the back staircase offers versatility and privacy, complete with its own balcony. Additional features include a side-entry garage with ample storage, a circular driveway, and numerous upgrades such as updated windows, refinished wood floors, natural gas service for the cooktop and gas logs, select plantation shutters, and a well-fed irrigation system. This is a rare opportunity to own a refined waterfront home where comfort, functionality, and scenic beauty come together seamlessly.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
5/10
H J MacDonald MiddleGrades 6-82.9 mi
3/10
New Bern HighGrades 9-123.1 mi

Construction

Condition

  • Year built: 1985

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Built-In Electric Oven,Refrigerator,Dishwasher

Basement

  • Basement: Exterior Entry,Crawl Space,Partial

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Den

  • Level: First

Dining Room

  • Level: First

Features

  • Walk-in Closet(s),Entrance Foyer,Pantry,Walk-in Shower,Eat-in Kitchen,Gas Log,Walk-In Closet(s)
  • Flooring: Carpet,Tile,Vinyl,Hardwood
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

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

Interior Area

  • Total structure area: 3,195
  • Total interior livable area: 3,195 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Other

  • Level: Second

Sunroom

  • Level: First

Property

Details

  • Parcel number: 82044 055
  • Zoning: residential
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Deck,Patio,Balcony
  • Exterior features: Irrigation System
  • Fencing: Invisible
  • Has view: Yes
  • View description: Canal,River,Water
  • Has water view: Yes
  • Water view: Canal,River,Water
  • On waterfront: Yes
  • Waterfront features: Boat Lift,Bulkhead,Deeded Water Access,Waterfront
  • Frontage type: River
  • Living area range: 3000 - 3499

Lot

  • Lot size: 0.55 Acres
  • Features: Cul-De-Sac,Boat Slip,Boat Dock,Boat Lift,Bulkhead,Deeded Water Access,Deeded Waterfront,Navigable Water,Landscaped
  • Lot size dimensions: irr

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Circular Driveway,Concrete,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Lightning
Tornado
Heat Wave
Inland Flooding
Ice Storm
Strong Wind
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 $6,447$77,364
Home Insurance *$503$6,036
Property Taxes $893$10,716
Electricity $297$3,570
Total$8,140$97,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$279,085/yr
40% on housing$244,200/yr
45% on housing$217,066/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

$399This listing

vs Other Active Listings

Avg $/sqft

ZIP 28562$174
Craven County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 28562$181
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
2026-08-06Price change$1,250,000
2026-05-13Listed for sale$1,275,000
2017-08-30Sold$648,000
2017-07-14Pending sale$675,000
2017-06-10Price change$675,000
2017-05-01Listed for sale$700,000

For Sale by Agent

AgentTAMMY FEREBEE
BrokerageCOLDWELL BANKER SEA COAST ADVANTAGE

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