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✓ Source: REIN MLS #10647237 · record updated Sep 29, 2026 · synced every 2 min · your inquiry is never resold
104 Waterway CT, SOUTHMILLS NC 27976 - Main photo
104 Waterway CT, SOUTHMILLS NC 27976 - Photo 2
104 Waterway CT, SOUTHMILLS NC 27976 - Photo 3
104 Waterway CT, SOUTHMILLS NC 27976 - Photo 4
104 Waterway CT, SOUTHMILLS NC 27976 - Photo 5
4beds
2.1baths
2,481sqft
57days on market

104 Waterway Ct, South Mills, NC 27976

ActiveResidential · built 2004 · WHARFS LANDING

About this home

Move in ready 2 story home in Wharfs Landing in cul-de-sac. Spacious living room, dining room, family room, eat in kitchen with island, FROG & upstairs laundry room. FROG is considered 4th bedroom. All on just under an acre lot. Private, sprawling back yard that you will fall in love with to relax evenings enjoying nature or entertaining. Electric dog fence to convey. All within easy access to all of NC & VA

Listing courtesy of Sue Hawker · BHHS RW Towne Realty · REIN MLS #10647237

Facts & features

Type

Residential

Year built

2004

Price / sqft

$199

HOA fee

$62/mo

Taxes

$2,965/yr

County

Camden County NC

MLS #

10647237

HOA association includes

Playgrounds

$62/mo HOA fee · NONE · per the REIN MLS listing record — confirm inclusions with the association.

Interior

Bedrooms
4
Full baths
2
Half baths
1
Approx. sqft
2,481
Stories
2
Flooring
Carpet, Vinyl
Total rooms
8
Other rooms
Fin. Rm Over Gar, Pantry, Porch, Utility Room
Appliances
Microwave, Elec Range, Refrigerator
Equipment
Gar Door Opener

Construction & exterior

Style
Traditional
Subtype
Detached
Foundation
Slab
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool

Utilities & systems

Heating
Electric
Cooling
Central Air
Water heater
Electric
Water
City/County
Sewer
Septic

Lot, parking & ownership

Lot size
0.9200
Subdivision
WHARFS LANDING
Zoning
RES
Ownership
Fee Simple
Garage
Yes
Parking
Garage Att 2 Car
Possession
SETTLEMENT
Miscellaneous
Fuel In Tank Conveys

Sources: REIN MLS record

Tom & Dariya's overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · Brokered by LPT Realty

At a glance

A four-bedroom, two-bath home built in 2004 on a quiet waterway lot in South Mills, North Carolina. About 2,500 square feet with room to spread out. Fifteen minutes to NSA Northwest Annex makes this a solid commute for military-connected households.

Read the full overview ↓

Why this home stands out

The waterway setting is the standout feature here. You get privacy and a peaceful backdrop without the price tag of true waterfront homes. The 2004 build means solid construction and modern systems. Four bedrooms give you flexibility—guest space, home office, or room to grow. The layout flows well across 2,481 square feet, and the lot itself offers that rare combination of seclusion and accessibility.

WHARFS LANDING and the South Mills real estate market

South Mills is a quiet rural community in Camden County, North Carolina, just south of the Virginia border. Tree-lined streets and spacious lots define the character here. You'll find a mix of established homes and newer builds, with plenty of breathing room between neighbors. The pace is slower than suburban sprawl, but you're not isolated—major shopping and services in Elizabeth City are about twenty minutes away. Norfolk and the broader Hampton Roads region sit roughly forty-five minutes north. Daily life centers on local schools, county parks, and the natural beauty of the Dismal Swamp area nearby. If you're comparing homes for sale in this region, the North Carolina side offers lower property taxes and a more rural feel while keeping military bases and urban amenities within reasonable drive times.

What's nearby

Elizabeth City, North Carolina, is your closest hub for shopping, dining, and services—about twenty minutes away. The Dismal Swamp offers outdoor recreation including hiking, kayaking, and wildlife viewing. Local parks provide community gathering spaces and playgrounds. Grocery stores, pharmacies, and casual dining cluster in Elizabeth City. The rural setting means you'll drive for most errands, but that trade-off buys you privacy and land. Highway 17 connects you quickly north to Virginia Beach and south to the Outer Banks.

For different buyers

Base commute and VA loan notes

NSA Northwest Annex is roughly fifteen minutes away, making this a manageable commute for active-duty and civilian personnel. VA loan financing is common in this area, and the home's 2004 construction means solid bones and modern systems. Four bedrooms and a waterway lot give you space to settle in without a long hunt.

Room to grow

Four bedrooms mean room for a home office, guest space, or future growth. The 2.1 baths handle multiple schedules well. A waterway lot provides privacy and outdoor character that's hard to find in subdivisions. The 2,481 square feet spread across the home creates natural zones for different activities.

More buyer questions

How far is 104 Waterway Court from NSA Northwest Annex?

About fifteen minutes by car, depending on traffic and your exact route from the base.

What is the nearest town for shopping and services?

Elizabeth City, North Carolina, is roughly twenty minutes away and offers groceries, restaurants, pharmacies, and retail.

Does this home have a garage?

The listing details do not specify garage type; contact the listing agent for exact garage configuration and parking details.

Is South Mills a good fit for someone working in Hampton Roads?

Yes—Norfolk and Virginia Beach are about forty-five minutes north, and NSA Northwest Annex is only fifteen minutes away, making it workable for many commutes in the region.

What makes the waterway lot special?

Waterway lots offer privacy, natural scenery, and outdoor character at a lower cost than true waterfront homes. You get seclusion without the premium price tag.

Ready to explore this waterway home in South Mills? Reach out to Tom and Dariya Milan at LPT Realty to schedule a tour.

Summary generated by AI from public records and publicly available information.

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each.

Also nearby

Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.

Homes like this one sell fast — see the next one first

South Mills$415K – $570K4+ beds

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

  • ElementaryGrandy Primary
    —
  • MiddleCamden Middle
    —
  • HighCamden County
    —

VaHome School Score — calculated by VaHome.com from Virginia Department of Education assessment, progress, and attendance data. Attendance zones come from the MLS listing record; confirm the current zone with the school division before making an offer.

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 37029C

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 37029C

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn\u2019t define a BFE here.

Property elevation

13.2 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

Data sources: Flood zone and base flood elevation come from FEMA\u2019s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service \u2014 actual elevations across a single property can vary by several feet higher or lower than the figure shown. Use these numbers as a starting reference and do your own due diligence (a professional survey or elevation certificate) before relying on them for any financial, insurance, or construction decision.

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

Source: Virginia Dept. of Emergency Management — Know Your Zone

Military Commute

Drive times to nearest bases

NW Annex

Navy

20min·14.3mi

USCG Finance Ctr

Coast Guard

32min·26mi

J7 Suffolk

Joint

46min·38.7mi

NNSY

Navy

37min·30.2mi

USCG Portsmouth

Coast Guard

34min·28.7mi

Drive times via Google Maps with current traffic patterns. Times are typical and may vary by time of day. Use the "Analyze" button up top to see live drive time to your saved base.

The numbers

Payment Calculator

Estimates only — taxes come from the public record; confirm rates with your lender. VA-eligible buyers: $0-down financing may apply.

Estimate your monthly payment

$2,954/mo

Principal & interest

$2,563

Property tax

$247

Home insurance

$144

PMI

None

HOA/Condo (paid separately)

$62

Estimate only. Association (HOA/condo) fees are paid separately and are not included in the payment above. Insurance assumed at 0.35% of home value annually. Actual taxes, insurance, and rate will vary by lender, credit, and property. Contact a lender for a personalized quote.

Value & history

Comparables

Price context — similar nearby homes

$415,000 – $635,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 6 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

145 Pier Landing LOOP · 0.1 mi · 2,326 sqft$415,000 sold 2026-09
115 Dock Landing LOOP · 0.3 mi · 2,183 sqft$439,900 sold 2026-05
270 Keeter Barn RD · 1.1 mi · 2,230 sqft$635,000 sold 2026-08

Own a home nearby? See what it is worth today — What's your South Mills home worth?

Sale & Tax History

List Price

$494,000

Price / Sq Ft

$199

Annual Taxes

$2,965

Monthly Tax

$247

HOA fee

$62 / mo

Tax Rate (effective)

0.60%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 3, 2026$494,000—
Price reducedSep 29, 2026$494,000−$5,000
Currently listed—$494,000—

Looking for multi-year tax assessments or prior sales? REIN MLS only ships data for the current listing. For full property history, check the city assessor record:

South Mills Assessor (Google)

Tax data above from REIN public-records sync. Sale timeline tracked from this listing's first appearance in our feed forward; prior owner sales are not included.

Comparable Properties

Comps are selected by city, bed count, square footage and price proximity. Composite similarity score weights bed match, sqft variance, price variance, and straight-line distance.

Market tempo

57 days on market — read it in context

Days on market reflects pricing, season, and inventory — compare it against similar nearby homes below before reading anything into it.

Questions buyers ask

Is 104 Waterway Ct in a good school zone?+
The assigned zones on the listing record are Grandy Primary, Camden Middle, Camden County. School attendance zones can change — always confirm enrollment with the local school division.
Is 104 Waterway Ct in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Does 104 Waterway Ct have an HOA?+
Yes — HOA dues are on record for this property (the current amount is shown in the facts section on this page). The association of record is NONE. Association amenities on record include: Playgrounds.
When was 104 Waterway Ct built?+
It was built in 2004, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data — never invented.

The people

You'll talk to a person, not a lead queue

TD

Tom & Dariya Milan

Brokered by LPT Realty · Hampton Roads

Listing courtesy of Sue Hawker · BHHS RW Towne Realty · REIN MLS #10647237

Call or text (757) 777-7577

Ask Dariya — instant answers

Schools, flood, drive times, what it really costs to own — answered from this page's data, by chat or voice.

Schedule a private tour

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

104 Waterway Ct, South Mills — photo

See it in person — the record only says so much.

Call or text (757) 777-7577

104 Waterway Ct, South Mills, North Carolina 27976 · MLS #10647237 · Source: REIN MLS + public record. Information deemed reliable but not guaranteed — verify independently. School zones subject to change; confirm with the local school division. All locations are described by neutral geographic fact. Equal Housing Opportunity.

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