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2016 Spencer Avenue, New Bern, NC, 28560

4beds
2baths
2,317sqft
$397,000
$171price/sqft
$2,653/moest. monthly cost
$106,120/yrincome needed

About This Home

Charming 4-bedroom, 2-bath home in the highly sought-after Ghent neighborhood, just minutes from downtown New Bern! Situated on a beautifully landscaped half-acre lot, this 1965 home blends thoughtful updates with classic character and ''old school'' charm. Inside, you'll find an upgraded interior that still holds onto its original personality, offering a unique and welcoming feel throughout. Outside, the property truly shines with multiple versatile spaces--including a detached shed that has been converted into a conditioned room with its own electric panel, perfect for a home office, studio, or guest space. A large barn/shed with electricity provides endless possibilities for a workshop, storage, or hobby area. No HOA! Conveniently located just 30 minutes to MCAS Cherry Point and only minutes from historic downtown New Bern, making it an ideal option for a variety of buyers. This one offers space, flexibility, and character--all in a prime location! For information about our preferred lender and the incentives you may qualify for, please ask your agent to review the agent comments for additional details.

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

7/10
4/10
H J Macdonald MiddleGrades 6-81.7 mi
3/10
New Bern HighGrades 9-122.5 mi

Construction

Condition

  • Year built: 1965

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Built-In Microwave,Washer,Refrigerator,Dryer,Dishwasher
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Den

  • Level: First

Dining Room

  • Level: First

Features

  • Master Downstairs,Entrance Foyer,Solid Surface,Bookcases,Ceiling Fan(s),Pantry,Walk-in Shower,Blinds/Shades
  • Flooring: Parquet,Tile,Wood
  • Attic: Access Only

Heating & Cooling

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

Interior Area

  • Total structure area: 2,317
  • Total interior livable area: 2,317 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 8025 132
  • Zoning: residential
  • Special condition: Standard

Features

  • Levels: Two
  • Pool features: None
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: None
  • Fencing: Partial,Back Yard,Vinyl
  • Has view: Yes
  • View description: See Remarks
  • Waterfront features: None
  • Frontage type: See Remarks
  • Living area range: 2200 - 2399

Lot

  • Lot size: 0.49 Acres
  • Lot size dimensions: 100 x 218 x 100 x 203

Parking

  • Parking features: Off Street,On Site,Paved

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
    HurricaneRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Winter Weather
Lightning
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 $2,007$24,084
Home Insurance *$161$1,932
Property Taxes $270$3,240
Electricity $215$2,589
Total$2,653$31,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,960/yr
40% on housing$79,590/yr
45% on housing$70,746/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

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 28560$160
Craven County$162

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
2026-05-06Listed for sale$397,000
2025-06-10Sold$375,000
2025-05-06Contingent$375,000
2025-05-01Listed for sale$375,000

For Sale by Agent

AgentShannon Brenneman
BrokerageCOLDWELL BANKER SEA COAST ADVANTAGE

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