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223 River Oak St, Spring Lake, NC, 28390

5beds
3baths
2,797sqft
$340,000
$122price/sqft
$2,383/moest. monthly cost
$95,320/yrincome needed

About This Home

Space. Value. Move-in ready. Why settle for less when you can have more space, more upgrades, and more included from day one? With nearly 2,800 square feet of living space and over 3,300 square feet under roof, this home offers size, value and convenience that's extremely hard to match at this price point. Enjoy the oversized kitchen that offers plenty of cabinet and countertop space. Unlike many new construction homes, this one is complete with a fully fenced backyard, brand-new upstairs carpet, new LVP flooring downstairs, and two refrigerators plus a washer/dryer as a seller's gift to you. Truly move-in ready with no post-closing projects required. Conveniently located just minutes from Fort Bragg while offering the peaceful lifestyle of Spring Lake.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

6/10
Overhills ElementaryGrades PK-51.1 mi
4/10
Overhills MiddleGrades 6-80.9 mi
3/10
Overhills High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 2011

Materials

  • Construction materials: Vertical Siding,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Range,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Cooling

  • Cooling features: Central Air

Features

  • Ceiling Fan(s),Granite Counters,Walk-In Closet(s),Walk-In Shower
  • Flooring: Carpet,Hardwood,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 2,797 sqft

Property

Details

  • Parcel number: 010504 0125 08
  • Special condition: Standard
  • Exclusions: N/A

Features

  • Exterior features: Fence,Private Yard,Rain Gutters
  • Fencing: Yard Fenced
  • Living area range: 2601-2800

Lot

  • Lot size: 6,969 sqft
  • Features: < 1/4 Acre

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Heat Wave
Ice Storm
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Harnett 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 $1,719$20,628
Home Insurance *$205$2,460
Property Taxes $199$2,388
Electricity $260$3,126
Total$2,383$28,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,702/yr
40% on housing$71,490/yr
45% on housing$63,546/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$122This listing

vs Other Active Listings

Avg $/sqft

ZIP 28390$140
Harnett County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 28390$148
Harnett County$163

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
2026-08-06Price change$325,000
2026-07-30Listed for sale$340,000
2020-09-29Sold$245,000
2020-08-20Pending sale$245,000
2020-08-18Listed for sale$245,000
2020-08-09Pending sale$245,000
2020-08-08Listed for sale$245,000
2017-12-22Listing removed$1,400
2017-12-06Listed for rent$1,400
2017-10-26Listing removed$1,400
2017-10-19Price change$1,400
2017-09-04Listed for rent$1,450
2016-06-10Listing removed$214,900
2016-06-01Sold$205,000
2015-10-27Listed for sale$214,900
2012-04-02Sold$194,500

For Sale by Agent

AgentMICHELLE BULNES HALASZYNSKI
BrokerageRELEVATE REAL ESTATE, INC.

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