See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

416 Harbor Trce W, Sanford, NC, 27332

2beds
2baths
937sqft
$242,900
$259price/sqft
$1,748/moest. monthly cost
$69,920/yrincome needed

About This Home

Discover this charming 2-bedroom, 2-bath home nestled in the desirable Harbor Creek section of Carolina Trace. This well-maintained residence offers comfortable living with thoughtful upgrades throughout, including custom pull-out kitchen drawers, a built-in desk, and updated windows (2022). Much of the interior has been freshly painted, creating a bright and inviting atmosphere. Step outside to enjoy the spacious wrap-around deck overlooking a peaceful sitting area, perfectly positioned against a wooded backdrop where deer and local wildlife are often seen—offering a truly serene setting. The expansive wrap-around deck also provides additional space for relaxing or entertaining, with huge workshop tucked below, and a brand-new outdoor shower for enjoying warm Carolina days. Recent updates provide peace of mind, including a new roof (2021) and fresh exterior paint (2024). The property also features a 3-car parking area, garden space, and gutters for added convenience.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

4/10
East Lee Middle SchoolGrades 6-84.2 mi
2/10
Lee County High SchoolGrades 9-125.3 mi

Construction

Condition

  • Property condition: Good Condition
  • Year built: 1973

Materials

  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: One and One Half Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Attic,Cathedral Ceiling(s),Entrance Foyer,Primary Downstairs,Storage,Vaulted Ceiling(s)
  • Flooring: Luxury Vinyl Plank,Tile
  • Number of fireplaces: 1
  • Fireplace features: Masonry
  • Fireplace: Yes

Heating

  • Heating features: Heat Pump

Interior Area

  • Total interior livable area: 937 sqft

Property

Details

  • Parcel number: 966090774300
  • Special condition: None
  • Exclusions: n/a

Features

  • Levels: One and One Half
  • Patio & porch: Deck
  • Exterior features: Deck,Fence,Storage
  • Fencing: Partial
  • Living area range: 901-1000

Lot

  • Lot size: 5,227 sqft
  • Features: < 1/4 Acre

Parking

  • Parking features: No Garage

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Hurricane
Heat Wave
Ice Storm
Tornado
Winter Weather

FEMA Declared Disasters in Lee 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 $1,228$14,736
Home Insurance *$135$1,620
Property Taxes $185$2,220
Electricity $200$2,405
Total$1,748$20,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,931/yr
40% on housing$52,440/yr
45% on housing$46,613/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$259This listing

vs Other Active Listings

Avg $/sqft

ZIP 27332$168
Lee County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 27332$167
Lee County$169

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
2026-04-11Listed for sale$242,900
2025-05-21Sold$225,000

For Sale by Agent

AgentTRACIE CROWDER
BrokerageAC REALTY

Similar Homes