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302 Spencers Avenue

South Mills, NC 27976 · Camden County

222 days on market
$69,000
$69,000Camden County (Rural)Under $100KUnder $375KActive
69000
0.42 Acres
Camden High School District

About This Property

Build your dream home on this .42 acre residential lot in South Mills. Bring your own builder and customize your plans to fit your vision. Ideally located just minutes from the Virginia line, offering both convenience and flexibility. Not in a flood zone and no HOA.

Property Details

SubdivisionNone
TypeResidential Land
Lot Size0.420 acres
WaterfrontNo
Parcel01.7989.04.51.3183.0000

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 in the unincorporated county — it has no incorporated towns of its own.) Buyers are advised to independently verify setback rules, elevation certificates, and flood insurance requirements with licensed surveyors, engineers, and insurance professionals.

Schools

ElementaryKingsland Elementary
MiddleCamden Middle School
High SchoolCamden High School

Tax & Assessment

Assessed Value$38,563
Annual Tax$395 (2025)
Monthly Tax Est.$33/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.

$69,000
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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
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 $150 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 outside the small part of Elizabeth City that lies inside the county line. Verify with theCamden County tax office.
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Adds $150/mo for the higher upkeep an older house carries — roof, wood windows, siding, systems. A budgeting convention, not a regulatory cost.
Camden 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.

Enter your actual annual quote and we'll amortize it into your monthly cost. Leave blank and it's excluded entirely.

$0

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
  • 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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MLS# 100562483 · HIVE MLS via SourceRE · Last updated: August 19, 2026 at 10:57 PM UTC. Information deemed reliable but not guaranteed. © 2026 Horizon Realty Group.

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