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7 Cates Ct, Hillsborough, NC, 27278

4beds
3baths
2,000sqft
$449,000
$225price/sqft
$3,057/moest. monthly cost
$122,280/yrincome needed

About This Home

Showings Begin Saturday 3/14 @ 1030AM. Set quietly at the end of a cul-de-sac, this home delivers a level of design and scale that's rare to find in a split-level. The renovation was approached with intention, pairing clean modern finishes with thoughtful upgrades behind the walls so the result feels cohesive, elevated, and ready to live in from day one. Every improvement was completed with permits, adding an extra layer of confidence in the quality of the work. The main living area is truly a standout. Far larger than most homes of this style, the space offers the kind of flexibility designers appreciate. It is large enough to comfortably support multiple seating areas, whether that means a conversation space, a traditional living room setup, or a combination of both. New 9-inch wide, 20-mil LVP flooring runs throughout, grounding the interior with durability and a refined modern look. The kitchen was completely redesigned with new cabinetry, quartz countertops, and a striking quartz backsplash that adds subtle dimension and polish. A large slider window over the sink fills the space with natural light, while brand new appliances and updated lighting complete the room with a clean, contemporary feel. All bathrooms have been fully updated, and the layout offers a surprising level of privacy and flexibility. The lower level features a true primary suite with a spacious walk in closet and an oversized bathroom, creating a quiet retreat separate from the main living areas. Upstairs, one of the bedrooms includes its own half bathroom, an uncommon and highly practical feature for guests, family members, or a private office setup. Beyond the cosmetic improvements, the home also benefits from meaningful mechanical updates, including a brand new heat pump system, new PVC plumbing in the lower level, and updated water lines. Outside, the property has been refreshed to open up the lot and maximize the yard. Eighteen trees were cleared and the entire yard was hydroseeded, creating a clean slate for the expansive backyard. The lot sits on a cul-de-sac and is already fenced on multiple sides, making it easy to complete a fully enclosed yard while still enjoying the generous outdoor space. Location enhances the home's appeal. Residents enjoy the charm and amenities of Hillsborough just minutes away, with restaurants, shops, and daily conveniences like grocery stores close at hand. Outdoor recreation is within easy reach, including scenic trails and river access at Occoneechee Mountain State Natural Area and Eno River State Park. Commuters benefit from convenient access to Interstate 40 and Interstate 85, making trips to Durham, Chapel Hill, and beyond effortless while still returning to the quiet, tree-lined streets of this desirable neighborhood.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
Hillsborough ElementaryGrades PK-51.9 mi
3/10
A L Stanback MiddleGrades 6-82.5 mi
6/10
Cedar Ridge HighGrades 9-121.1 mi

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Electric Range,Microwave,Range Hood,Water Heater
  • Laundry features: Laundry Room,Lower Level

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Bathtub/Shower Combination,Chandelier,Double Vanity,Kitchen Island,Open Floorplan,Master Downstairs,Quartz Counters,Recessed Lighting,Smooth Ceilings,Walk-In Shower
  • Flooring: Carpet,Ceramic Tile,Vinyl
  • Finished area below ground: 600
  • Finished area above ground: 1,400

Heating & Cooling

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

Interior Area

  • Total structure area: 2,000
  • Total interior livable area: 2,000 sqft

Property

Details

  • Parcel number: 9863786220
  • Zoning: R10
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Stories: 1
  • Patio & porch: Front Porch,Patio
  • Fencing: Back Yard, Partial, Wood
  • Has view: Yes

Lot

  • Lot size: 0.43 Acres
  • Features: Back Yard,Cleared,Cul-De-Sac,Few Trees,Front Yard

Parking

  • Parking features: Driveway,Off Street,Parking Pad

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

  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Orange 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 $2,270$27,240
Home Insurance *$134$1,608
Property Taxes $453$5,436
Electricity $200$2,405
Total$3,057$36,684
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,811/yr
40% on housing$91,710/yr
45% on housing$81,520/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$225This listing

vs Other Active Listings

Avg $/sqft

ZIP 27278$257
Orange County$273

vs Homes Sold Last Month

Median $/sqft

ZIP 27278$236
Orange County$264

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
2026-05-11Price change$475,000
2026-04-21Price change$489,990
2026-03-12Listed for sale$499,990
2025-10-28Sold$230,000
2008-06-30Sold$115,000
2002-01-17Sold$106,000

For Sale by Agent

AgentWilliam Patrick
BrokerageEXP Realty LLC

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