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403 Queen Street, New Bern, NC, 28560

2beds
2baths
1,310sqft
$425,000
$324price/sqft
$2,823/moest. monthly cost
$112,920/yrincome needed

About This Home

Own a piece of New Bern history with this charming 2-bedroom, 1.5-bath home located in the heart of the Historic District. Rich in character and timeless appeal, this beautifully maintained residence offers the perfect blend of historic charm and modern convenience. Features include spacious living and dining areas, original architectural details, fireplaces, an updated kitchen, and a large fenced backyard rarely found in downtown properties. Just a short stroll from Historic Downtown New Bern, you'll enjoy easy access to waterfront parks, Tryon Palace, boutique shopping, local restaurants, and community events. Whether you're searching for a primary residence, second home, or investment opportunity, this property offers exceptional versatility. Currently operating as a successful Airbnb, this home presents a unique opportunity to continue as a short-term rental or enjoy as your own private retreat. Experience the charm, history, and walkable lifestyle that make New Bern one of North Carolina's most beloved riverfront communities. Currently an Air bnb

Getting Around

62
WalkingSomewhat Walkable
0
TransitVery Limited Transit
75
BikeVery Bikeable

Schools

6/10
9/10
Grover C Fields MiddleGrades 6-81.8 mi
3/10
New Bern HighGrades 9-124.4 mi

Construction

Condition

  • Year built: 1814

Materials

  • Foundation: Crawl Space
  • Roof: Shake
  • Construction materials: Wood Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Microwave,Refrigerator,Dishwasher,Gas Range
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bathroom1

  • Level: First

Bathroom2

  • Level: Second

Bedroom1

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Ceiling Fan(s),Blinds/Shades
  • Flooring: Wood
  • Attic: None

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,310
  • Total interior livable area: 1,310 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 8003134
  • Zoning: residential
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Patio & porch: None
  • Fencing: Wood
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 1200 - 1399

Lot

  • Lot size: 7,405 sqft
  • Lot size dimensions: irregular

Parking

  • Parking features: 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 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 $2,149$25,788
Home Insurance *$172$2,064
Property Taxes $302$3,624
Electricity $200$2,405
Total$2,823$33,876
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,788/yr
40% on housing$84,690/yr
45% on housing$75,280/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

$324This 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)

No zestimate history available

Price History

DateEventPrice
2026-07-07Listed for sale$425,000
2022-05-17Sold$305,000
2022-04-06Pending sale$300,000
2022-04-01Listed for sale$300,000
2009-11-25Sold$200,000

For Sale by Agent

AgentPamela Baumgardner
BrokerageReMax Real Estate Center

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