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527 Surfside Drive

Edenton, NC 27932 · Chowan County

32 days on market
$175,000
Was $185,000
$175,000Chowan County (Rural)$100K – $250KUnder $375KActive
175000
Price Reduced
2 Bedrooms
1 Bathroom
782 Sq.Ft.
0.18 Acres
Built in 1965
John A. Holmes High District

About This Property

The cutest cottage with a water view! Looking for a peaceful getaway with charm, comfort, and beautiful sunset views? Perfectly sized and thoughtfully refreshed, this adorable cottage offers 2 bedrooms, 1 shared bath, a brand-new kitchen, refreshed living spaces, and a new laundry addition tucked onto the back of the home. Relaxing evenings watching the sunset and taking in the water view of the Albemarle Sound from this popular Surfside Drive- Cape Colony neighborhood. And when you're ready to hang out downtown, you're just a 7-minute drive from the city limits and historic district! Whether you're looking for a full-time home, weekend retreat, or investment opportunity, this one is easy to love. And it can be sold furnished, making it even easier to start enjoying cottage life right away.

Price History & Market Timeline

Original List Price$185,000
Current List Price (Price Reduced)$175,000Reduced by $10,000

Property Details

SubdivisionCape Colony
TypeSingle Family Residence
Living Area782 sq ft
Full Baths1
Price / sq ft$224
Lot Size0.180 acres
HOA Dues$20 / annually
Year Built1965
Total Rooms5
WaterfrontNo
Parcel781314426789

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.

Interior & Exterior

FlooringLVT/LVP
HeatingElectric, Heat Pump
CoolingCentral Air
RoofArchitectural Shingle
ConstructionAluminum Siding, Wood Frame
AppliancesWasher, Refrigerator, Dryer, Electric Range
ParkingAttached Carport

Interior Features

Ceiling Fan(s)FurnishedBlinds/ShadesEat-in Kitchen

Schools

ElementaryWhite Oak/D F Walker
MiddleChowan Middle School
High SchoolJohn A. Holmes High

Tax & Assessment

Assessed Value$79,455
Annual Tax$608 (2025)
Monthly Tax Est.$51/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.

$175,000
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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).

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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Applies additional $0.4300 / $100 municipal tax. Switch off for county-only parcels outside town.
Adds $150/mo reserve for custom wood, slate/metal roof & COA maintenance
Properties 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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Finance repair scope directly into mortgage via FHA 203(k) or Fannie Mae HomeStyle loan.

Estimated Monthly True Cost
$0
Includes P&I, taxes, insurance & local reserves
  • Principal & Interest$0
  • Chowan County Property Tax ($0.72)$0
  • Town of Edenton Municipal Tax ($0.4300)$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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MLS# 100605038 · HIVE MLS via SourceRE · Last updated: October 19, 2026 at 3:34 PM UTC. Information deemed reliable but not guaranteed. © 2026 Horizon Realty Group.