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8782 Ramsbury Way, Wilmington, NC 28411, USA

Estimated Market Value

$0
Range: $819,830 - $1,002,015
ZZillow Zestimate: $958,900
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Valuation Comparison

Our Estimate
$910,923
Range: $819,830 - $1,002,015
Zillow Zestimate®View on Zillow
$958,900
Range: $901,366 - $1,016,434
30-Day Trend
+$15,193(1.6%)

Zestimate® is a registered trademark of Zillow, Inc. Valuation models differ based on data availability, proprietary algorithms, and recent market shifts.

4Beds
3Baths
4,423SqFt
2013Built
2Garage

AI Property Analysis

This appealing traditional-style single-family home, built in 2013, is situated at 8782 Ramsbury Way in Wilmington, NC. Offering a generous 4,423 square feet of living space across two stories, the residence features 4 bedrooms and 3 full bathrooms, making it ideal for a growing family. Key amenities include central air conditioning, two cozy fireplaces, and a convenient two-car attached garage. Outdoor living is enhanced by a wood deck, perfect for relaxation and entertaining, along with a separate utility building for additional storage or workshop space. The property boasts a sizable 0.352-acre lot, characterized by a pleasant rolling topography within the established Plantation Landing subdivision. Zoned R-20 for residential use, it offers a tranquil setting while still being part of the vibrant Wilmington community. With a 2025 assessed value of $841,900, this home's quality and desirable location are clearly reflected in its market standing. Presenting a fantastic opportunity for comfortable and modern family living, this home was last sold in 2018 for $597,500 and now carries an estimated current value of approximately $910,923, highlighting its strong appreciation in value. The combination of its contemporary construction, ample interior and exterior space, and desirable features make it a compelling choice for those seeking a well-maintained and valuable property in a sought-after North Carolina locale.

Your Capital Gains Tax Savings

Section 121 Primary Residence Exemption Analysis

Total Potential Taxable Gain
$313,423
Based on estimated value of $910,923 minus purchase price of $597,500
✅ You likely qualify! You've owned this home for 8.0 years (minimum 2 years required).
⚠️ This tax benefit may not last forever. The Section 121 exclusion is frequently debated in Congress. Knowing your equity options now is crucial for long-term wealth planning.

Single Filer

Up to $250K Exclusion

Protected Amount:$250,000
Capital Gains Rate:20%
Potential Tax Savings:$50,000

Remaining taxable gain: $63,423

Married Filing Jointly

Up to $500K Exclusion

Protected Amount:$313,423
Capital Gains Rate:20%
Potential Tax Savings:$62,685

Tax Liability Comparison

* This analysis is purely an estimate based on assumed 20% capital gains rates and available public data. We are not tax professionals. Please consult a licensed CPA to verify your exact eligibility and tax implications.

Financial Projections

Estimated Net Proceeds

Estimated Cash in Hand:$395,790

Equity Breakdown

Cost to Build Today$995,175
Investor Quick-Sale Est.$590,278
Monthly Rental Est.$3,644/mo

Your Appreciation Story

Your Annual Return5.4%Compound growth rate
Historical Average3.5%Long-term US average
Above-Average Growth+$123,970Growth above historical 3.5% baseline

Your home has appreciated at 5.4% per year — well above the historical average of 3.5%. This extraordinary growth was driven by recent market conditions that are unlikely to repeat. Understanding this context is key to making smart decisions about your equity.


What Could Your Equity Do?

If you sold today and invested your $395,790 equity in the S&P 500, in 10 years it could grow to $1,026,577 — compared to an estimated $874,570 in total equity by staying in the home.


The Hidden Cost of Holding

Insurance (0.4% est)$304/mo
Maintenance (1% est)$759/mo
Opportunity Cost (5% est)$1,649/mo
Total Monthly Holding Cost$2,712/mo

* Estimates do not include county, city, or other annual property taxes.

While your home appreciates, it costs approximately $2,712/month to hold — including $1,649/month in opportunity cost from equity that could be earning interest elsewhere.

Market Pulse

Market Temp
🔥 Hot

Strong property appreciation and high buyer demand indicate a seller-friendly market with competitive offers.

Your Neighborhood

Wilmington is a vibrant coastal city renowned for its historic downtown, stunning beaches, and a thriving arts and culture scene. Living in the Plantation Landing community means enjoying a serene suburban feel while being just moments away from top-rated New Hanover County Schools and a plethora of amenities, from shopping and dining to outdoor recreational opportunities on the water. The local real estate market has seen steady appreciation, creating a favorable environment for homeowners who benefit from the area's continued desirability and strong community demand.

Market Trend Predictions

1 Year Forecast$951,498Range: $929K - $960K
3 Year Forecast$1,038,152Range: $967K - $1.1M
5 Year Forecast$1,132,696Range: $1M - $1.2M

Estimated Monthly Equity Gain
+$3,381/mo

Based on moderate market appreciation projections, your property generates passive wealth each month.

🔥Market Outlook & Sell Window

Strong seller's market — favorable conditions to sell now

* Projections are estimates based on historical trends and local market data, and do not guarantee future performance.

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⚖️ This analysis is for informational purposes only and does not constitute professional advice. Always consult with a licensed local real estate agent, appraiser, attorney, and/or accountant before making any real estate decisions or entering into any agreements.
Buddy Blake

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Buddy Blake

Buddy Blake Real Estate

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