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264 Church St, Marion, NC, 28752

2beds
1baths
882sqft
$199,000
$226price/sqft
$1,381/moest. monthly cost
$55,240/yrincome needed

About This Home

This 2 bedroom 1 bathroom home is an absolute charmer and brings an incredible value at under $200k. Featuring a large eat-in kitchen, a laundry/utility area, a covered front porch and back patio this home lives large. There is ample parking, a steel carport and sheds, so bring your hobbies and projects. There is also a firepit area enclosed in privacy fencing perfect for entertaining and enjoying the warming weather! It has had many updates over the years and could be a trusted starter home. It has single level living and could be a great fit to downsize in to. Situated across from a slated redevelopment project this property could be a great investment.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

8/10
3/10
Mcdowell High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1915

Materials

  • Foundation: Other - See Remarks
  • Roof: Metal
  • Construction materials: Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Electric Range,Electric Water Heater,Refrigerator,Washer
  • Laundry features: Utility Room

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Door features: Screen Door(s)
  • Flooring: Carpet,Linoleum,Tile,Wood
  • Fireplace features: Fire Pit
  • Finished area below ground: 0
  • Finished area above ground: 882

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 882
  • Total interior livable area: 882 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: 1712118862
  • Zoning: R-2
  • Special condition: Standard
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Fire Pit,Storage

Lot

  • Lot size: 0.20 Acres
  • Features: Cleared,Paved,Wooded

Parking

  • Total spaces: 2
  • Parking features: Detached Carport,Driveway
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Cold Wave
Strong Wind
Tornado

FEMA Declared Disasters in McDowell County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,006$12,072
Home Insurance *$76$912
Property Taxes $99$1,188
Electricity $200$2,405
Total$1,381$16,572
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,348/yr
40% on housing$41,430/yr
45% on housing$36,826/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$226This listing

vs Other Active Listings

Avg $/sqft

ZIP 28752$172
McDowell County$261

vs Homes Sold Last Month

Median $/sqft

ZIP 28752$194
McDowell County$232

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-20Listed for sale$199,000
2022-10-27Sold$155,000
2022-09-28Pending sale$155,000
2022-09-22Listed for sale$155,000
2022-09-08Pending sale$155,000
2022-09-01Listed for sale$155,000

For Sale by Agent

AgentZach Penland
BrokerageNextHome Partners

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