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692 Capelsie Rd, Candor, NC, 27229

2beds
1baths
1,553sqft
$289,000
$186price/sqft
$2,020/moest. monthly cost
$80,800/yrincome needed

About This Home

This country cottage sits on three acres in a quiet rural setting in Montgomery. Convenient to downtown Troy in only a few minutes. The home was totally remodeled in 2000 with new wiring, plumbing, sheetrock and private well. New windows were installed in 2018 along with the backyard paver patio and firepit. The finishes are old school, custom carpentry with dental molding, staircase and doors. Paved circular driveway. Gas logs in the living room. There are two bedrooms on the main level and the upstairs has another sleeping area along with a flex room that is currently being used as an office. Like new outbuilding / she shed in the backyard for storage or craft shop. Quiet back deck for relaxing or grilling out. Come visit this property and find your spot in the country to enjoy life !!!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

--
Troy ElementaryGrades PK-22.7 mi
6/10
West MiddleGrades 6-83.8 mi
1/10

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Microwave
  • Laundry features: Main Level

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • None
  • Window features: Insulated Windows,Skylight(s)
  • Flooring: Tile,Wood
  • Fireplace features: Gas Log,Living Room
  • Finished area below ground: 0
  • Finished area above ground: 1,553

Heating & Cooling

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

Interior Area

  • Total structure area: 1,553
  • Total interior livable area: 1,553 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Upper

Other

  • Level: Upper

Property

Accessibility

  • Accessibility features: Two or More Access Exits

Details

  • Parcel number: 753700738743
  • Zoning: R-3
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Porch
  • Exterior features: Fire Pit,Storage

Lot

  • Lot size: 3 Acres
  • Features: Level,Wooded
  • Lot size dimensions: 375 x 370

Parking

  • Parking features: Circular 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 StormRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Montgomery 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 *$211$2,532
Property Taxes $148$1,776
Electricity $200$2,405
Total$2,020$24,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,257/yr
40% on housing$60,600/yr
45% on housing$53,866/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.8%
-4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 27229$95
Montgomery County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 27229
Montgomery County$193

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
2026-04-27Price change$323,500
2026-03-31Listed for sale$338,500

For Sale by Agent

AgentMark McRae
BrokerageMcRae Properties

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