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321 Stone Ridge Dr, Salisbury, NC, 28146

5beds
4baths
3,686sqft
$839,900
$228price/sqft
$5,779/moest. monthly cost
$231,160/yrincome needed

About This Home

Take a look at this brand-new 5-bedroom, 3.5-bath home featuring an open and spacious floor plan designed for comfortable living and entertaining. A welcoming covered front porch leads to elegant double doors with textured glass and a transom above, while both the front and back porches showcase beautiful tongue-and-groove beadboard ceilings. The kitchen serves as the heart of the home, offering abundant cabinetry, stunning granite countertops, and a large pantry just steps away. Stylish lighting enhances every space, and durable LVP flooring throughout the main level ensures easy maintenance. The main level includes 4-bedrooms and 2.5 baths, providing convenient one-level living. Upstairs, you’ll find a generous bonus room, a separate media or office space, an additional bedroom, and a full bath—perfect for guests or flexible living needs. Step outside from the great room to enjoy a covered and extended outdoor living area complete with a built in double sink and granite counter top. Situated on a large, level lot in Stone Ridge Development, this home also features thoughtful upgrades like a pot filler faucet over the stove, an oversized laundry/mud room, and smart home features including a thermostat and garage door opener. A side-load garage and horseshoe driveway provide added convenience with dual entry access.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

1/10
4/10
East Rowan High SchoolGrades 9-123.7 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Full

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range
  • Laundry features: Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Upper

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Features

  • Breakfast Bar,Kitchen Island,Open Floorplan,Walk-In Pantry
  • Flooring: Tile,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 3,686

Great Room

  • Features: Cathedral Ceiling(s)
  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 3,686
  • Total interior livable area: 3,686 sqft

Kitchen

  • Features: Kitchen Island,Walk-In Pantry
  • Level: Main

Laundry

  • Level: Main

Primary Bedroom

  • Features: Ceiling Fan(s),Tray Ceiling(s)
  • Level: Main

Property

Details

  • Parcel number: 064J008
  • Zoning: GR6
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Rear Porch
  • Exterior features: Outdoor Kitchen

Lot

  • Lot size: 1.21 Acres
  • Features: Cleared,Level

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage Faces Side,Garage on Main Level
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Tornado
Earthquake
Lightning
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 $4,246$50,952
Home Insurance *$324$3,888
Property Taxes $866$10,392
Electricity $343$4,119
Total$5,779$69,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$198,137/yr
40% on housing$173,370/yr
45% on housing$154,106/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

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 28146$181
Rowan County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28146$194
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
2026-05-08Price change$839,900
2026-03-23Listed for sale$849,900

New Construction

AgentMark Walters
BrokerageHome Realty and Mortgage LLC

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