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178 Whites Neck Ln, Knotts Island, NC, 27950

2beds
2baths
1,817sqft
$539,900
$297price/sqft
$3,562/moest. monthly cost
$142,480/yrincome needed

About This Home

Situated on approximately 4.9 acres in Knotts Island, NC, this 2-bedroom, 2-bath log cabin home offers water views and a private setting. Built in 2003, the home features 1,817 square feet with vaulted ceilings, exposed wood interior walls, and large windows providing natural light and views of the surrounding property and water. The open living area flows into the kitchen and dining spaces, and the home also includes a spacious loft overlooking the main living area, offering flexible space for a sitting area or an office. A covered front porch provides additional outdoor living space. The property also includes a detached garage/workshop offering additional storage, parking, or hobby space.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

9/10
Knotts Island ElementaryGrades K-51.4 mi
9/10
Moyock MiddleGrades 6-813.6 mi
4/10
Currituck County HighGrades 9-128.8 mi

Construction

Condition

  • Year built: 2003

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Log

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator,Electric Water Heater
  • Laundry features: Dryer Hookup,Washer Hookup

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Flooring: Other,Wood

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Heat Pump

Interior Area

  • Total interior livable area: 1,817 sqft

Property

Details

  • Parcel number: 007700001120000

Features

  • Stories: 1
  • Pool features: None
  • Fencing: None
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Not Waterfront

Parking

  • Total spaces: 2
  • Parking features: Garage Att 2 Car
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Coastal Flooding
Lightning
Tsunami

FEMA Declared Disasters in Currituck 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 $2,730$32,760
Home Insurance *$261$3,132
Property Taxes $371$4,452
Electricity $200$2,405
Total$3,562$42,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,125/yr
40% on housing$106,860/yr
45% on housing$94,986/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.7%
6.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$297This listing

vs Other Active Listings

Avg $/sqft

ZIP 27950$158
Currituck County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 27950$275
Currituck County$245

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

No price history available

For Sale by Agent

AgentH Kim Old
BrokerageBHHS RW Towne Realty

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