Closed

109 Otters Place

South Mills, NC 27976 · Camden County

Price Reduced

109 Otters Place, South Mills, NC 27976 — main photo

109 Otters Place, South Mills, NC 27976 — photo 2

109 Otters Place, South Mills, NC 27976 — photo 3

109 Otters Place, South Mills, NC 27976 — photo 4

109 Otters Place, South Mills, NC 27976 — photo 5

+17 More

4 Bedrooms

3 Bathrooms

1,844 Sq.Ft.

0.92 Acres

Built in 2003

2-Car Garage

0.92 Acre Lot2-Car GarageCamden County High District

About This Property

Spacious 4-bedroom home with endless potential! With a little TLC, this property can truly shine and become the home of your dreams. Conveniently located near the Virginia/North Carolina state line, it offers plenty of space both inside and out. The first floor features a formal dining room, an eat-in kitchen, a comfortable living room, a versatile formal living room or bonus room, and a convenient half bath. Upstairs, you'll find a centrally located utility area, four generously sized bedrooms, and two full bathrooms. Outside, enjoy a large yard with plenty of room for outdoor activities, along with a storage shed for your storage. Don't miss this opportunity to make this spacious home your own! Sold 'as is'. This property may qualify for Seller Financing (Vendee) ID: 192976

Price History & Market Timeline

Original List Price$352,500

Current List Price (Price Reduced)$350,000Reduced by $2,500

Property Details

SubdivisionSanders Crossing

TypeSingle Family Residence

Living Area1,844 sq ft

Full Baths2

Half Baths1

Lot Size0.920 acres

HOA Dues$804 / annually

Year Built2003

Total Rooms8

WaterfrontNo

Parcel01.7080.00.53.8650.0000

Location & Neighborhood Intelligence

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Distance to Key Places (straight-line)

Coastal & Environmental Information

Properties in Camden County near coastal waters may be subject to Coastal Area Management Act (CAMA) regulations or specific flood zone designations. (There is no local historic district or design-review overlay anywhere in the county — it has no incorporated municipalities.) Buyers are advised to independently verify setback rules, elevation certificates, and flood insurance requirements with licensed surveyors, engineers, and insurance professionals.

Interior & Exterior

HeatingElectric, Heat Pump

CoolingCentral Air

RoofArchitectural Shingle

ConstructionVinyl Siding, Wood Frame

AppliancesElectric Oven, Built-In Microwave, Dishwasher

ParkingGarage

Interior Features

Walk-in Closet(s)Ceiling Fan(s)PantryWalk-In Closet(s)

Schools

ElementaryGrandy Primary/Camden Intermediate

MiddleCamden Middle School

High SchoolCamden County High

Tax & Assessment

Assessed Value$329,207

Annual Tax$2,541 (—)

Monthly Tax Est.$212/mo

Hyper-Local Buyer Tool

Camden True Cost of Ownership Calculator

Calculate your actual monthly carrying cost — including the Camden County tax rate, your own flood insurance quote, and a maintenance reserve for an older house.

Home Purchase Price$352,500

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).

Interest Rate (%)

Loan Term

Local Tax & Municipal Variables

Camden County TaxCamden County charges $0.71 per $100 of assessed value in county general tax, plus $0.01 per $100 fire tax and a flat $100 solid waste fee. Only the general rate is modelled below — the fire tax and the flat fee are real and are covered in the briefs. There is no municipal tax anywhere in this county. Verify with theCamden County tax office.

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Older-Home Maintenance ReserveAdds $150/mo for the higher upkeep an older house carries — roof, wood windows, siding, systems. A budgeting convention, not a regulatory cost.

CAMA Flood Zone / Waterfront TierCamden County is one of North Carolina's 20 CAMA counties. Properties along the Pasquotank River, the North River, the Dismal Swamp Canal or the Albemarle Sound may sit in an Area of Environmental Concern, and flood zone determines whether flood insurance is required. This site quotes no flood rate and no CRS discount — enter your own insurer's annual quote below.

Flood Insurance — Annual Premium

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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
Camden County Property Tax ($0.71)$0
Hazard / Homeowners Insurance (Est.)$0
Flood Insurance (Your Quote)$0
Older-Home Maintenance Reserve$0
PMI / Mortgage Insurance$0

Total Loan Amount$0

Down Payment$0

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Listed By

Taylor Mueller Realty, Inc.

Carrie Mercer, Listing Agent

Office Phone: (252) 331-2233

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

$2,637/mo

Includes P&I, Camden County tax, insurance & PMI.

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