ActiveWaterfront
+87 photos$1,150,000
$253/sq ft
5 bd·5 ba·4,547 sq ft·0.41 ac
105 Back Creek Court, Hertford, NC 27944
Perquimans County, NC · 2026
The Perquimans County Buyer's Brief
The county seat is the town of Hertford — not to be confused with Hertford County, a different county to the west. A wind-driven river running into the Albemarle Sound, nineteen National Register listings, twenty-three minutes to Elizabeth City, and the highest FHA loan limit of any county in North Carolina. Eight chapters, free, with a source on every claim.
- chapters, fully written
- 8
- FHA limit — highest in NC
- $805K
- of the county USDA-eligible
- 100%
- National Register listings
- 19
Hertford County and the town of Hertford are two different places
This site covers Perquimans County, whose county seat is the town of Hertford. Hertford County is a separate county with its own seat, Winton, about 45 minutes west — the town of Hertford is not in it. We cover that county too, here: the Hertford County Buyer's Brief. More on the collision in the FAQ.
The Brief
Eight chapters. No email wall.
One brief, written straight through, for a county small enough that splitting it into buyer personas would have meant padding. Every substantive claim carries a source, and where something could not be verified from a primary source, the page says so instead of paraphrasing it into a fact.
If you want water
The river, the sound & the swing bridge
Navigable water at a price that does not exist an hour east — and a CAMA county, which means a 75-foot Area of Environmental Concern, a 30% impervious cap, and a permit that comes from Elizabeth City rather than the county. The chapter also gets the bridge right: the 1929 swing span was removed in 2021, and today's is a 2022 replacement built to echo it.
- Wind-driven, not tidal — and fresh at the town of Hertford
- NOAA's published depth to town, and what it is not
- The CAMA rules that decide what you can build
If you want an old house
Nineteen listings, five districts
A county with real colonial and Federal-era stock, and one distinction that decides your renovation budget: National Register listing is, in SHPO's own words, "mostly an honorary designation," while a local historic district overlay is not. Which applies to a given parcel in the town of Hertford is a question this site tells you to ask rather than guessing at.
- The Newbold-White House, dated to 1730 by dendrochronology
- Honorary listing versus local design review
- NC's 15% homeowner credit, and its 2030 sunset
If you are commuting
Where people here actually work
Roughly two-thirds of working residents leave the county, and the Census says where they go: Elizabeth City first by a factor of two, then Edenton, then the Portsmouth and Chesapeake end of Hampton Roads — not Norfolk, whatever the listings say. Mean travel time is 32 minutes.
- The county-to-county worker flows, with margins of error
- Why location within the county barely changes your drive
- The Virginia numbers, and why not to trust the estimate
County Profile
The county behind the brief.
Thirteen and a half thousand people, 247 square miles of land and another 82 of water, one small county seat, and a financing picture that does not look like anywhere else in North Carolina. These are government figures with their vintages, not market estimates.
- County seat
- Town of Hertford not Hertford County
- Population
- ~13,490 Census estimate, July 2025
- Median owner-occupied value
- $231,700 ACS 2020–2024
- FHA one-unit limit
- $805,000 HUD CY2026 — highest in NC
- Property tax
- $0.55 per $100, FY2026-27; ~$1.07 inside town limits
- Local land transfer tax
- 1% one of seven NC counties
Financing Reference
The $805,000 question, and four other pages.
Reference pages rather than narrative chapters — factual, sourced, and straight from the programmes themselves. Where a current figure could not be verified from the primary source, the page says so instead of printing a stale one.
The anomaly
FHA loan limits — $805,000
The highest FHA limit of any county in North Carolina, against a statewide floor of $541,287. Verified against HUD's own lookup across all 100 counties — and deliberately not explained, because no official explanation exists.
Read the guide →Zero down
USDA eligibility, countywide
The entire county sits inside a USDA-eligible rural area — including downtown in the town of Hertford, which surprises people. Confirmed against USDA's own eligibility map service at parcel geography, with controls.
Read the guide →Closing costs
The 1% land transfer tax
Perquimans is one of only seven North Carolina counties that levies a local land transfer tax, on top of the state excise tax. A four-figure line most buyers have never seen, and it is negotiable — so it belongs in the offer.
Read the guide →Historic preservation
Rehabilitation tax credits
North Carolina's 15% homeowner credit reaches buildings certified as contributing to a National Register district — and this county has five. The federal 20% credit does not apply to a house you live in. The statute sunsets in 2030.
Read the guide →Market Data
What this site will and will not tell you.
The MLS feed is live — active listings and counts throughout this site are real and current. What you will not find is a market median or days-on-market figure: in a county this size, one closing can swing a monthly number enough to mislead you. The market report explains what I use instead.
Live MLS data for Perquimans County, refreshed on every site build — see the report for the current feed status.
The broker
Travis Old
Horizon Realty Group · North Carolina Real Estate
Travis works Northeast NC — Perquimans, Chowan, Pasquotank, Camden, Currituck and the counties around them — for buyers whose decisions need an operator's perspective rather than a brochure's. Licensed NC Real Estate Broker and NC General Contractor, which matters in a county with this much old housing stock.
Serving
Credential
2026William C. Bass Leadership Academy — appointed member
Education
2018University of North Carolina at Greensboro — BA in Economics
New Listings, In Your Inbox
You're in.
New Perquimans County listings will land in your inbox as they hit the MLS. No drip campaigns, no weekly newsletter — just real listings when they come up.