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5693 Silver Bell Ln, Granite Falls, NC, 28630

3beds
2baths
1,577sqft
$389,900
$247price/sqft
$2,559/moest. monthly cost
$102,360/yrincome needed

About This Home

Located in the desirable Grace Chapel area of Caldwell County, this meticulously maintained 3 bedroom, 2 bath ranch offers move in ready comfort for its next owners! Nestled on a generous 1 acre lot in a peaceful cul-de-sac near Lake Hickory, the home features a serene, private wooded backdrop, beautiful landscaping & a charming covered front porch. Inside, you’re welcomed by a bright, open layout filled with natural light, enhanced by fresh interior paint & luxury LVP flooring throughout the main living areas. The living room features a vaulted ceiling, adding height & character while creating an inviting space to gather. The split-bedroom floorplan provides privacy & ideal for all! The oversized primary bedroom features a cathedral ceiling & a spacious walk-in closet. The primary bath includes dual granite vanities & a tub/shower combination. The two additional bedrooms are generously sized & share a full bath with a granite vanity and tub/shower combo. Exterior features include a cozy back deck, perfect for morning coffee or evening reading & a tall crawlspace offering excellent storage options. Enjoy peaceful living in a scenic setting just moments from Lake Hickory, with convenient access to HWY 321 & only a short drive to Blowing Rock, offering the perfect balance of comfort, setting & accessibility. Schedule your tour today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

6/10
Dudley Shoals ElementaryGrades PK-55.0 mi
7/10
Granite Falls MiddleGrades 6-84.1 mi
4/10
South Caldwell HighGrades PK,9-125.4 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dual Flush Toilets,Gas Range,Gas Water Heater,Microwave,Plumbed For Ice Maker,Refrigerator,Self Cleaning Oven,Tankless Water Heater
  • Laundry features: Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s)
  • Door features: Insulated Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,577

Great Room

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 1,577
  • Total interior livable area: 1,577 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0814313
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Front Porch

Lot

  • Lot size: 1 Acres

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Caldwell 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 $1,971$23,652
Home Insurance *$183$2,196
Property Taxes $205$2,460
Electricity $200$2,405
Total$2,559$30,708
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,737/yr
40% on housing$76,770/yr
45% on housing$68,240/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: 12.6%
12.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$247This listing

vs Other Active Listings

Avg $/sqft

ZIP 28630$158
Caldwell County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 28630$192
Caldwell County$173

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
2026-04-19Listed for sale$389,900
2023-08-28Sold$300,000
2023-03-21Listed for sale$295,000
2021-12-23Listing removed--
2021-06-03Listed for sale$17,500
2021-04-27Listing removed--
2019-08-11Listed for sale$17,500
2019-07-26Pending sale$17,500
2018-07-17Price change$17,500
2018-04-17Listed for sale$19,900
2006-08-11Sold$11,500

For Sale by Agent

AgentCandace Tait
BrokerageThe Joan Killian Everett Company, LLC

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