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135 Valley Stream Rd, Spring Lake, NC, 28390

5beds
3baths
3,102sqft
$470,000
$152price/sqft
$3,223/moest. monthly cost
$128,920/yrincome needed

About This Home

This exceptional 5-BDs, 3BA 3 story home with 3 potential shared living spaces located in Anderson Creek Club. Step inside on premium hardwood flooring and find an open floor plan. The spacious kitchen completely open to the living room features stainless steel appliances, abundant counter space, a large pantry, granite counter-tops, that flows seamlessly into the breakfast nook. A formal dining room allows natural light to flow in and is perfect for sitting large families! Find a first-floor bedroom with a full bathroom convenient for guests or an office space. Upstairs, is a massive loft, the oversized primary suite with a walk-in closet, double vanity, tiled shower, and relaxing soaker tub. Three additional guest bedrooms have ample space with walk-in closets. The versatile third-floor space is fully finished and can serve as an entertainment room, recreation area, private guest suite, or additional bedroom. Step outside to enjoy the screened-in porch overlooking the aluminum fenced backyard. Continue to explore the outdoors by exiting the rear of the fence. It is conveniently located near the back access gate saving over 10 min drive to the main gate. Need to travel to Fort Bragg? Too easy, this home is approx. 22 mins from an access gate! The bus stop is a quick walk away allowing you to see your kids safely board. Recent updates are freshly painted walls, HVAC 2022, HVAC, 2023, and complete third floor!! This is the place you want to call home!! Ask about the 2.75% Assumable Interest Rate!! The POA fee includes internet, and residents enjoy 24-hour manned gate access, Anderson Creek Charter School, along with an array of community amenities including pools & splashpad, playgrounds, golf course, community inn and restaurant, scenic nature trails, ponds, pickleball, tennis courts, fitness center, fishing and more.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

6/10
Overhills ElementaryGrades PK-53.5 mi
7/10
Western Harnett MiddleGrades 6-82.8 mi
3/10
Overhills High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 2013

Materials

  • Construction materials: Fiber Cement,Stone

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Attic,Ceiling Fan(s),Dining Area,Separate/Formal Dining Room,Double Vanity,Entrance Foyer,Separate/Formal Living Room,Garden Tub/Roman Tub,Loft,Bath in Primary Bedroom,Open Floorplan,Storage,Separate Shower
  • Flooring: Hardwood,Tile,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room,Vented
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,102 sqft

Property

Details

  • Parcel number: 01053521 0100 64
  • Special condition: Standard
  • Exclusions: Gun safe,storage shed,wooden grill cover,golf cart,freezer,garage fridge,storage shelves

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Covered,Patio,Porch,Screened
  • Exterior features: Fully Fenced,Fence,Sprinkler/Irrigation,Propane Tank - Owned,Playground,Porch,Tennis Court(s)
  • Fencing: Full,Yard Fenced
  • Living area range: 3001-3500

Lot

  • Lot size: 0.31 Acres
  • Features: 1/4 to 1/2 Acre Lot,Pond on Lot

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,RV Access/Parking
  • 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

  • Tornado
    TornadoVery High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $2,376$28,512
Home Insurance *$284$3,408
Property Taxes $275$3,300
Electricity $288$3,467
Total$3,223$38,676
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,502/yr
40% on housing$96,690/yr
45% on housing$85,946/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

$152This listing

vs Other Active Listings

Avg $/sqft

ZIP 28390$139
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
2026-08-03Price change$470,000
2026-07-06Price change$485,000
2026-05-12Listed for sale$490,000
2021-04-19Sold$332,000
2021-03-12Pending sale$330,000
2021-03-08Price change$330,000
2021-02-26Listed for sale$399,000
2021-02-02Sold$310,000
2020-10-28Listed for sale--
2018-12-13Listing removed$1,950
2018-12-01Listing removed$306,000
2018-12-01Listed for rent$1,950
2018-08-19Price change$306,000
2018-07-21Price change$310,000
2018-06-22Price change$320,000
2018-06-05Price change$329,000
2018-05-20Listed for sale$329,900
2015-06-05Listing removed$289,900
2015-02-11Listed for sale$289,900
2014-11-25Sold$296,800

For Sale by Agent

AgentCRYSTAL MONTZ
BrokerageDREAMS MADE REALTY GROUP

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