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1049 Ramsey St, Stanley, NC, 28164

2beds
2baths
1,296sqft
$215,000
$166price/sqft
$1,483/moest. monthly cost
$59,320/yrincome needed

About This Home

If privacy is what you seek, this is the home for you! Nestled in a quiet neighborhood and set back from the main road, this charming doublewide offers a peaceful retreat. Inside, you'll find three spacious rooms, each with its own closet (septic permit for two bedrooms). Recent updates include a newer AC and fresh interior paint. The real gem is the fully fenced backyard—a private oasis perfect for relaxation, gatherings, or play. The large deck overlooks an open space ideal for outdoor activities, gardening, or even a playground. Don’t miss this rare opportunity to own a secluded yet conveniently located home!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

2/10
Kiser Elementary SchoolGrades 3-51.6 mi
4/10
Stanley Middle SchoolGrades 6-80.8 mi
5/10
East Gaston High SchoolGrades 9-124.7 mi

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Electric Water Heater
  • Laundry features: Utility Room

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Door features: Storm Door(s)
  • Flooring: Carpet,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,296

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,296
  • Total interior livable area: 1,296 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 219067
  • Zoning: R-20
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Fencing: Fenced

Lot

  • Lot size: 0.46 Acres
  • Features: Level,Private

Parking

  • Parking features: Driveway
  • Has uncovered spaces: 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

  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters in Gaston 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 $1,087$13,044
Home Insurance *$70$840
Property Taxes $126$1,512
Electricity $200$2,405
Total$1,483$17,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,845/yr
40% on housing$44,490/yr
45% on housing$39,546/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: 16.2%
16.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 28164$173
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28164$195
Gaston County$187

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
2026-02-10Listed for sale$215,000
2026-02-09Listing removed$214,000
2025-07-30Price change$214,000
2025-02-27Listed for sale$215,000
2023-10-13Listing removed--
2023-07-12Listed for sale$205,900
2023-06-24Listing removed--
2023-02-21Price change$209,900
2022-10-17Price change$210,000
2022-09-20Listed for sale$215,000
2011-07-28Sold$58,000
2010-03-18Sold$56,000

For Sale by Agent

AgentLena Lawing
BrokerageCentury 21 Town & Country Rlty

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