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112 Mallard Cove Road

Edenton, NC 27932 · Chowan County

Waterfront

112 Mallard Cove Road, Edenton, NC 27932 — main photo

112 Mallard Cove Road, Edenton, NC 27932 — photo 2

112 Mallard Cove Road, Edenton, NC 27932 — photo 3

112 Mallard Cove Road, Edenton, NC 27932 — photo 4

112 Mallard Cove Road, Edenton, NC 27932 — photo 5

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0.96 Acres

Waterfront Property0.96 Acre LotJohn A. Holmes High District

About This Property

Lake front lot located on a cul-de-sac street in Edenton Bay Plantation. This spacious home site is located in a gated, water access neighborhood located approximately 5 minutes from Historic Edenton or The Links at Mulberry Hill with golf, tennis and a sound side pool. A public boat ramp is located less than 5 minutes away as well. The neighborhood offers numerous open spaces plus a pier to take in vacation worthy sunsets. Covenants for minimum sqft for new build are different for Mallard Cove section. See RC's. Also, special assessment one time per year per lot for owners of pond front properties. Approximately $115-$120/year for electric (pond pump/fountain).

Property Details

SubdivisionEdenton Bay Plantation

TypeResidential Lot

Lot Size0.960 acres

HOA Dues$500 / annually

WaterfrontYes

Waterfront FeaturesWater Access Comm

Waterfront Footage110 ft

Parcel781301094299

Location & Neighborhood Intelligence

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Distance to Key Places (straight-line)

ECU Health Chowan Hospital2.7 mi John A. Holmes High School2.3 mi Edenton Historic District & Waterfront1.8 mi College of The Albemarle — Edenton-Chowan2.5 mi

Coastal & Environmental Information

Properties in northeastern North Carolina near coastal waters may be subject to Coastal Area Management Act (CAMA) regulations, municipal historic district overlays, or specific flood zone designations. Buyers are advised to independently verify setback rules, elevation certificates, and flood insurance requirements with licensed surveyors, engineers, and insurance professionals.

Schools

ElementaryWhite Oak/D F Walker

MiddleChowan Middle

High SchoolJohn A. Holmes High

Tax & Assessment

Assessed Value$33,310

Annual Tax$255 (2024)

Monthly Tax Est.$21/mo

Hyper-Local Buyer Tool

Edenton True Cost of Ownership Calculator

Calculate your actual monthly carrying cost — including Chowan County taxes, Town municipal rates, your own flood insurance quote, and historic district reserves.

Home Purchase Price$45,000

Down Payment5%

Tap a marker for the exact program, or drag freely for any other amount. Snaps to 0% (USDA/VA), 3.5% (FHA), 5% (Conventional) and 20% (no PMI).

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Local Tax & Municipal Variables

Chowan County TaxChowan County charges $0.72 per $100 of assessed value for fiscal year 2026-2027. Tax rate updated: August 3, 2026. Verify with the local tax office.

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Town of Edenton LimitsApplies additional $0.4800 / $100 municipal tax. Switch off for county-only parcels outside town.

Historic Overlay District (COA)Adds $150/mo reserve for custom wood, slate/metal roof & COA maintenance

CAMA Flood Zone / Waterfront TierProperties near the Albemarle Sound or Queen Anne Creek fall into CAMA-regulated flood zones. Your zone determines whether flood insurance is required — we don't quote rates, so enter your own insurer's quote below.

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Renovation Financing Roll-In (FHA 203k / HomeStyle)$0

Finance repair scope directly into mortgage via FHA 203(k) or Fannie Mae HomeStyle loan.

Estimated Monthly True Cost

Includes P&I, taxes, insurance & local reserves

Principal & Interest$0
Chowan County Property Tax ($0.72)$0
Town of Edenton Municipal Tax ($0.4800)$0
Hazard / Homeowners Insurance (Est.)$0
Flood Insurance (Your Quote)$0
Historic Overlay COA Reserve$0
PMI / Mortgage Insurance$0

Total Loan Amount$0

Down Payment$0

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Independent buyer representation Travis Old, Broker and REALTOR®, works for you.

Travis Old, Broker

Horizon Realty Group

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Listed By

Cindy Twiddy Realty, Inc.

Cindy Twiddy, Listing Agent

Office Phone: (252) 482-8618

The above listing agent, if hired also by you, would become a dual agent. Dual agents are forbidden by NC Law from helping you gain an advantage over the other party. For example, they could ask for that price break you might want, but they cannot advocate for it to their Seller. By hiring a buyer's agent, you have someone on your team who can advocate for what you want. See what hiring a Buyer's Agent means.

True Cost Summary

$355/mo

Includes P&I, Chowan County tax, Edenton municipal tax, insurance & PMI.

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