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401 Webb Church Rd, Ellenboro, NC, 28040

2beds
2baths
1,064sqft
$90,000
$85price/sqft
$792/moest. monthly cost
$31,680/yrincome needed

About This Home

Charming and full of potential, this 2-bedroom, 2-bath home with a possible 3rd bedroom, office, or study offers flexibility and value in one package. Situated on over half an acre within the Ellenboro city limits, this property provides a peaceful setting with trees lining the backyard while still being conveniently located between Forest City and Shelby. Inside, you’ll find a functional layout with updated laminate and vinyl flooring, along with two renovated full bathrooms. The home has seen important improvements over the years, including central heating and air updated in 2013, plumbing updates beneath the home, and the septic system pumped last year. A handicap-accessible ramp adds to the home’s accessibility, and public water service ensures everyday convenience. The property also sits on a publicly maintained road. This home is being sold as-is and presents a great opportunity for a fixer-upper, rental investment, or personal residence. With solid features already in place and room to make it your own, this property is a smart buy for those looking to add value and create something special.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

8/10
3/10
6/10

Construction

Condition

  • Year built: 1999

Materials

  • Foundation: Crawl Space
  • Construction materials: Aluminum

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Electric Oven,Electric Water Heater,Oven,Refrigerator
  • Laundry features: Common Area,Electric Dryer Hookup,In Hall,In Kitchen,Inside,Main Level,Washer Hookup

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,064

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,064
  • Total interior livable area: 1,064 sqft

Primary Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: Main

Property

Details

  • Parcel number: 324378
  • Zoning: A21
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.58 Acres

Parking

  • Parking features: None,Garage on Main Level
  • Has garage: Yes

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

  • Strong Wind
    Strong WindVery High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Ice Storm
Lightning
Cold Wave
Inland Flooding
Tornado

FEMA Declared Disasters in Rutherford 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 $455$5,460
Home Insurance *$37$444
Property Taxes $100$1,200
Electricity $200$2,405
Total$792$9,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$27,154/yr
40% on housing$23,760/yr
45% on housing$21,120/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 8.5%
8.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$85This listing

vs Other Active Listings

Avg $/sqft

ZIP 28040$189
Rutherford County$229

vs Homes Sold Last Month

Median $/sqft

ZIP 28040$164
Rutherford County$196

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
2026-04-24Listed for sale$90,000
2025-09-03Listing removed$80,000
2025-07-11Price change$80,000
2025-06-26Price change$87,777
2025-06-17Listed for sale$99,000
2020-12-01Listing removed$52,500
2020-09-24Listed for sale$52,500
2020-04-01Listing removed$45,000
2019-09-07Price change$45,000
2019-08-10Price change$50,000
2019-05-02Price change$52,600
2019-04-06Price change$53,000
2019-03-13Price change$53,500
2019-02-14Price change$54,000
2018-12-23Listed for sale$54,700
2018-11-19Pending sale$54,700
2018-10-19Price change$54,700
2018-09-03Listed for sale$54,775
2018-08-23Pending sale$54,775
2018-05-11Price change$54,775
2018-04-07Listed for sale$55,000
2017-02-26Listing removed$10,000
2017-02-24Price change$10,000
2017-02-19Listed for sale$33,000
2014-03-13Sold$3,500
2013-06-20Sold$20,150

For Sale by Agent

AgentDebora Negrut
BrokerageBuy From Me Realty Inc

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