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94 Kemp Street, Sparta, NC, 28675

4beds
3baths
2,800sqft
$289,000
$103price/sqft
$1,984/moest. monthly cost
$79,360/yrincome needed

About This Home

Charming 4 bedroom,3 bath home with over 1.25 acres located in the Town of Sparta. This home comes with 2 fireplaces, Kitchen living/dining combo, primary bedroom with bath, two additional bedrooms and bath, first floor laundry, large family room, 2 car covered carport and a spacious lawn. Flooring is wood and laminate. The basement is partially finished with a fireplace, bedroom, washer and dryer hookup, kitchen and 2 outside entrances. Both fireplaces have gas logs. This property has access from Kemp Street and James Street making the property easily dividable. Convenient to downtown Sparta, walking distance to Sparta elementary and Alleghany High School. Just a short drive to the Historic New River, Stone Mountain State Park and the Blue Ridge Parkway. This home is vacant so make your appointment to view this spacious home today.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
Sparta ElementaryGrades PK-80.2 mi
7/10
Alleghany HighGrades 9-120.5 mi

Construction

Condition

  • Year built: 1965

Materials

  • Roof: Asphalt,Shingle
  • Construction materials: Brick,Masonry

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Refrigerator
  • Laundry features: Washer Hookup,Dryer Hookup,Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Second Kitchen
  • Fireplace features: Masonry,Propane
  • Fireplace: Yes
  • Finished area below ground: 800
  • Finished area above ground: 2,000

Heating & Cooling

  • Heating features: Electric,Fireplace(s),Hot Water,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 4,800
  • Total interior livable area: 2,800 sqft

Property

Details

  • Parcel number: 3071409110

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 1.25 Acres

Parking

  • Parking features: Carport
  • Carport: 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

  • Cold Wave
    Cold WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
Landslide
Tornado
Winter Weather

FEMA Declared Disasters in Alleghany 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 $1,461$17,532
Home Insurance *$105$1,260
Property Taxes $158$1,896
Electricity $260$3,129
Total$1,984$23,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,022/yr
40% on housing$59,520/yr
45% on housing$52,906/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 28675$167
Alleghany County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 28675
Alleghany County$238

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)

No zestimate history available

Price History

DateEventPrice
2026-03-20Price change$299,000
2025-11-03Listed for sale$330,000
2025-11-01Listing removed$345,000
2025-04-25Listed for sale$345,000

For Sale by Agent

AgentJAMES PHIPPS
BrokerageMountain Dreams Realty

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