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895 Oak Ridge Farms Cir, Newton, NC, 28658

5beds
3baths
2,682sqft
$699,000
$261price/sqft
$4,476/moest. monthly cost
$179,040/yrincome needed

About This Home

Don't just drive by and wonder... NOW is the time to come check out this next to new, custom-built full brick home offers 5 bedrooms, 3 full baths and timeless elegance throughout! Step inside to find soaring ceilings, a grand foyer, and a striking floor-to-ceiling brick fireplace in the great room. The open-concept design flows seamlessly into the gourmet kitchen featuring custom cabinetry, stainless steel appliances, and a large center island perfect for gathering and entertaining. The main level showcases 9’ ceilings, gleaming hardwood floors throughout, and a luxurious primary suite with a spa-like ensuite highlighted by a gorgeous tile shower and soaking tub. A guest bedroom and full bath are located on the main level along with a formal dining room and laundry room. Upstairs, you’ll find 8’ ceilings, 3 additional bedrooms, and a full bath ideal for guests, office space, or a playroom. Thoughtful details include tinted privacy windows for energy efficiency and curb appeal that shines with a classic rocking chair front porch flanked by stately brick columns. Enjoy outdoor living on the spacious covered rear porch, complete with a built-in gas line for grilling. With nearly an acre of land, there’s ample room to design your dream backyard with plenty of space for a custom in-ground pool! Why wait to build when this home combines luxury, comfort, and endless potential all in one remarkable package! Only minutes from Maiden, Newton, Hickory, Lincolnton, Denver & an easy drive to Charlotte via Hwy 16, this location screams country living without giving up the convenience of nearby shopping, restaurants and hospitals. *PLEASE NOTE...The outdoor photos do reflect VIRTUALLY STAGED OPTIONS for landscaping and pool! Be sure to check out the video tour!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
Maiden ElementaryGrades PK-60.8 mi
8/10
Maiden Middle SchoolGrades 7-80.9 mi
5/10
Maiden HighGrades 9-121.2 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Microwave
  • Laundry features: Laundry Room

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 2

Dining Room

  • Level: Main

Features

  • Flooring: Tile,Wood
  • Fireplace features: Gas Log,Great Room
  • Finished area below ground: 0
  • Finished area above ground: 2,682

Heating & Cooling

  • Heating features: Electric,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,682
  • Total interior livable area: 2,682 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Other

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 3647104626040000
  • Zoning: R-20
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch,Rear Porch

Lot

  • Lot size: 0.92 Acres
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: 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

  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Cold Wave
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Catawba 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 $3,534$42,408
Home Insurance *$260$3,120
Property Taxes $433$5,196
Electricity $249$2,997
Total$4,476$53,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,462/yr
40% on housing$134,280/yr
45% on housing$119,360/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: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.5%
3.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$261This listing

vs Other Active Listings

Avg $/sqft

ZIP 28658$145
Catawba County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 28658$177
Catawba County$188

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
2026-04-30Price change$734,000
2026-04-13Price change$739,000
2026-03-04Price change$749,900
2025-12-30Price change$754,900
2025-10-08Listed for sale$759,900
2021-05-14Sold$425,000
2020-08-07Sold$32,500

For Sale by Agent

AgentVicki Dalton
BrokerageSouthern Homes of the Carolinas, Inc

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