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1864 Cotton Creek Rd, Biscoe, NC, 27209

3beds
3baths
2,362sqft
$475,000
$201price/sqft
$3,497/moest. monthly cost
$139,880/yrincome needed

About This Home

ACREAGE LOVERS - RARE find in Biscoe w/ 900+ ft of ROAD FRONTAGE! Beautiful brick ranch sitting back off road & on 21+ acres, feels completely out in country but only 2-3 minutes from easy access to the bypass! Many updates, including new roof, HVAC, windows, water heater all 7-8 yrs ago, renovated kitchen w/ pull out cabinet shelving, quartz countertops, large island overlooking living area, perfect coffee bar & wooden beams add great aesthetic. 2 living spaces, 3bdrms, each bdrm has bathroom w/ 1 having door to hallway. Primary very spacious w/ large en-suite & also a door to private back covered deck. Additional flex room makes great office or room if needed. Nice size dining room & door access to easy access attic & storage. Laundry/Mudroom very large & has wall of custom-built cabinets w/ pull outs. Attached covered dual carport. Love buildings? This home offers those too! Basement area, great for more storage. Front entrance lined w/ fence & rose bushes. Beautiful setting.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

4/10
6/10
East MiddleGrades 6-82.4 mi
3/10
Montgomery Central HighGrades 9-126.7 mi

Construction

Condition

  • Year built: 1953

Materials

  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Stick/Site Built,Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Appliance Center,Electric Water Heater
  • Laundry features: Dryer Connection,Main Level,Washer Hookup

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 3

Den

  • Level: Main

Features

  • Kitchen Island,Pantry
  • Flooring: Laminate,Wood
  • Number of fireplaces: 2
  • Fireplace features: Den,Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,362

Heating & Cooling

  • Heating features: Fireplace(s),Heat Pump,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,362
  • Total interior livable area: 2,362 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: Main

Property

Details

  • Parcel number: 757800689465
  • Zoning: AG
  • Special condition: Owner Sale

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch
  • Fencing: Fenced

Lot

  • Lot size: 21.79 Acres
  • Features: Cleared,Wooded
  • Lot size dimensions: varied

Parking

  • Total spaces: 2
  • Parking features: Carport,Driveway,Circular Driveway,Attached Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • 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

  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Ice Storm
Strong Wind
Tornado
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 $2,401$28,812
Home Insurance *$318$3,816
Property Taxes $559$6,708
Electricity $219$2,639
Total$3,497$41,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,897/yr
40% on housing$104,910/yr
45% on housing$93,253/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

$201This listing

vs Other Active Listings

Avg $/sqft

ZIP 27209$84
Montgomery County$140

vs Homes Sold Last Month

Median $/sqft

ZIP 27209
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
2026-08-15Pending sale$475,000
2026-06-27Listed for sale$475,000

For Sale by Agent

AgentKara Farrar
BrokerageTKB Realty Group Brokered by EXP

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