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321 N Milford Dr, Salisbury, NC, 28144

--beds
1baths
1,045sqft
$199,500
$191price/sqft
$1,533/moest. monthly cost
$61,320/yrincome needed

About This Home

2/3 bedroom in very nice neighborhood. Newly refinished wood floors throughout. Updated kitchen. HVAC 4 year old electric Trane heat pump. Electric upgraded to 200amp panel. Plumbing upgraded. There is a 3rd room that could be a third bedroom(no closet like the other two bdrms) or office. Metal roof. City water. Septic system updated. 4 minutes to Catawba College, 5 minutes to Hospital, I mile from The Revival Golf course at the Crescent. Schools and shopping nearby. Front and back yards with nice shade.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

7/10
H D Isenberg ElementaryGrades PK-50.4 mi
--
Knox Middle SchoolGrades 6-81.9 mi
3/10
Salisbury High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 1951

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bathrooms: 1

Features

  • Flooring: Hardwood

Heating & Cooling

  • Heating features: Forced air,Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,045 sqft

Property

Details

  • Parcel number: 327046

Features

  • Exterior features: Vinyl

Lot

  • Lot size: 0.39 Acres

Parking

  • Parking features: Off-street,Garage

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

  • Cold Wave
    Cold WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Rowan 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 $1,008$12,096
Home Insurance *$120$1,440
Property Taxes $205$2,460
Electricity $200$2,405
Total$1,533$18,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,560/yr
40% on housing$45,990/yr
45% on housing$40,880/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: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.8%
6.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 28144$130
Rowan County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28144$171
Rowan County$178

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
2026-07-29Listed for sale$199,500
2025-04-25Listing removed$1,200
2025-04-23Listed for rent$1,200
2022-04-05Sold$80,000
2006-09-28Sold$75,500

For Sale by Owner

AgentProperty Owner

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