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106 Birch Ave, Spring Lake, NC, 28390

5beds
4baths
3,500sqft
$405,000
$116price/sqft
$2,856/moest. monthly cost
$114,240/yrincome needed

About This Home

This 3,500 sq ft home offers 5 bedrooms and 3 1/2 bathrooms is plenty of room for a family. The large owner's suite with the trey ceiling and walk-in closets must make for a relaxing retreat, and the garden tub and shower offers a nice touch. You'll fall in love with the formal dining room with a coffered ceiling, it adds a lot of character to the home. The kitchen with granite countertops, and a large island is a perfect spot for cooking and gathering. Bonus: Water purifications system to convey as-is. ***The carpets were replaced and are all charcoal color.****

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

6/10
Overhills ElementaryGrades PK-50.5 mi
4/10
Overhills MiddleGrades 6-80.3 mi
3/10
Overhills High SchoolGrades 9-120.4 mi

Construction

Condition

  • Property condition: Good Condition
  • Year built: 2011

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator
  • Laundry features: Washer Hookup,Dryer Hookup

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Breakfast Area,Tray Ceiling(s),Ceiling Fan(s),Coffered Ceiling(s),Separate/Formal Dining Room,Granite Counters,Garden Tub/Roman Tub,Kitchen Island,Primary Downstairs,Separate Shower,Walk-In Closet(s),Window Treatments
  • Window features: Blinds,Insulated Windows
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Factory Built
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump,Zoned
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 3,500 sqft

Property

Details

  • Parcel number: 0504863464
  • Special condition: None
  • Exclusions: N/A

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch,Patio,Porch
  • Exterior features: Fence,Sprinkler/Irrigation,Porch,Patio
  • Fencing: Privacy
  • Living area range: 3001-3500

Lot

  • Features: 1/4 to 1/2 Acre Lot

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 $2,047$24,564
Home Insurance *$244$2,928
Property Taxes $240$2,880
Electricity $325$3,911
Total$2,856$34,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,920/yr
40% on housing$85,680/yr
45% on housing$76,160/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

$116This 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
2026-08-03Listed for sale$405,000
2025-04-15Listing removed$399,900
2025-03-24Price change$399,900
2025-03-06Listed for sale$405,000
2025-02-10Pending sale$405,000
2025-01-24Listed for sale$405,000
2024-07-13Listing removed--
2024-07-06Listed for sale$400,000
2023-11-21Listing removed--
2023-11-18Listed for rent$2,200
2023-09-21Listing removed--
2023-08-11Listed for rent$2,500
2022-08-19Listing removed--
2022-08-16Listed for rent$2,699
2022-08-06Listing removed--
2022-07-12Listed for rent$2,699
2022-06-30Listing removed--
2022-06-09Listed for rent$2,699
2021-05-13Sold$272,000
2019-04-09Listing removed$265,000
2019-03-27Price change$265,000
2019-03-15Price change$267,900
2019-02-16Price change$268,900
2019-01-14Listed for sale$269,900
2015-04-30Sold$240,000

For Sale by Agent

AgentSHAWNTA DIXON
BrokerageSND REALTY GROUP, LLC.

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