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There’s something truly special about life on the water—sunrises over the Albemarle Sound, boating from your own backyard, and evenings spent enjoying the peaceful breeze. If you're considering a waterfront home in Hertford, NC, or the surrounding areas, you’re in for a beautiful lifestyle. But buying waterfront property involves a few extra details compared to traditional homes—and it’s important to be informed.
At Forbes Realty & Auctions, we specialize in helping buyers find their dream homes along the water. Here are the top things you should know before buying a waterfront property in North Carolina.
Not All Waterfront Is the Same
There’s a big difference between a deepwater riverfront lot, a quiet canal, or a marsh-front view. Make sure the location fits your lifestyle:
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Do you want direct boating access?
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Is swimming or fishing a priority?
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How important is the open water view?
Shoreline Protection Is Key
Bulkheads and riprap protect your property from erosion, but they require maintenance and may need permits to repair or replace. Always ask:
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Is the shoreline protected?
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When was it last inspected or repaired?
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Are there existing permits or records?
Understand Flood Zones and Insurance
Even if the property hasn’t experienced flooding, it may still lie within a designated flood zone, affecting your insurance needs.
Be sure to:
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Request an elevation certificate
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Get early quotes for flood insurance
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Understand how this might impact your loan or escrow
Some properties in Perquimans County may fall in preferred zones, meaning lower premiums—so don’t assume the worst.
Docks, Permits, and Boat Access
If you’re hoping to launch your boat from your backyard, check:
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Is there a dock, and is it permitted?
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What’s the water depth at low tide?
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Can you build or extend a dock if needed?
Dock rules vary by waterway, so having a local expert (like us!) is essential.
Utilities and Systems Matter
Many waterfront homes in rural NC use wells and septic systems. Make sure these are inspected and up to date. Also, confirm access to:
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High-speed internet
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Electrical service
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Municipal water/sewer (if available)
Expect Some Extra Maintenance
Waterfront homes are subject to more exposure from wind, humidity, and salt air. Regular maintenance like dock care, exterior paint, and landscaping is part of protecting your investment.
Work With a Local Waterfront Specialist
Buying waterfront is about more than just location—it’s about lifestyle, access, and long-term value. At Forbes Realty & Auctions, we’ve helped countless buyers find the perfect place on the water—and avoid costly surprises along the way.
Let’s Find Your Waterfront Dream
Whether you’re relocating, retiring, or searching for a vacation property, our team is here to help you every step of the way. From riverfront cottages to soundside retreats, we know the Hertford and Albemarle area like no one else.
Call Forbes Realty & Auctions today at (252) 426-1380
Let’s make your move to the water smooth, informed, and unforgettable.