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635 Powell Rd NE, Lenoir, NC, 28645

3beds
2baths
1,378sqft
$237,000
$172price/sqft
$1,617/moest. monthly cost
$64,680/yrincome needed

About This Home

This solid 3 bedroom, 2 bath brick home is ideally located just a stone’s throw from Lenoir’s Greenway in the desirable Lower Creek area. Situated on a nearly half acre, level lot, the property offers generous space both inside and out, including two large outbuildings ideal for storage, hobbies, or workshop use. The home features a full brick exterior, double carport (523 ft²), and an oversized driveway providing ample parking. A permanent enclosed space on the carport (previously used as a hair salon - 96 ft²) adds valuable bonus space that would make an excellent home office, studio, or additional storage area. Designed and updated with energy efficiency in mind, the home stays cool in the summer and warm in the winter. An instant (tankless) water heater enhances efficiency while ensuring you’ll never run out of hot water. Recent updates include a new roof, tankless water heater, farm-style sink, updated lighting, and areas of new flooring, leaving very little left to do beyond the common bathroom. This well maintained property offers both comfort and versatility, with abundant room for storage, hobbies, and outdoor enjoyment. The large backyard, outdoor storage room, and two storage sheds (one equipped as a workshop with a workbench and tool racks - 10'x12' and 8'x12') create endless possibilities. With close proximity to excellent schools, parks, the Lenoir Aquatic Center, shopping, and other local attractions, this location truly delivers convenience and lifestyle appeal. Location, location, location—this one has it all! The current owners do not carry flood insurance; however, a portion of the property is located within a flood plain, and the new owner may be required to obtain flood insurance (one quote was estimated ~$2000/yr).

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

5/10
Lower Creek ElementaryGrades PK-50.3 mi
8/10
William Lenoir MiddleGrades 6-81.0 mi
4/10
Hibriten HighGrades PK,9-121.1 mi

Construction

Condition

  • Year built: 1964

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Electric Cooktop,Oven,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: In Kitchen,Inside,Laundry Closet,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

Bonus Room

  • Level: Main

Dining Room

  • Level: Main

Features

  • Built-in Features,Storage
  • Window features: Insulated Windows,Window Treatments
  • Flooring: Tile,Vinyl,Wood
  • Fireplace features: Living Room,Other - See Remarks
  • Finished area below ground: 0
  • Finished area above ground: 1,378

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Gas

Interior Area

  • Total structure area: 1,378
  • Total interior livable area: 1,378 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: No Interior Steps

Details

  • Parcel number: 0983143
  • Zoning: R-15
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Fire Pit,Storage
  • Waterfront features: None

Lot

  • Lot size: 0.46 Acres
  • Features: Corner Lot,Flood Plain/Bottom Land
  • Lot size dimensions: 152' x 130' x 148' x 130'

Parking

  • Total spaces: 6
  • Parking features: Attached Carport,Driveway
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4
  • Carport: Yes
  • Carport 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $1,198$14,376
Home Insurance *$99$1,188
Property Taxes $120$1,440
Electricity $200$2,405
Total$1,617$19,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,440/yr
40% on housing$48,510/yr
45% on housing$43,120/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

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 28645$171
Caldwell County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 28645$161
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
2026-06-29Price change$237,000
2026-03-04Price change$249,900
2026-01-20Listed for sale$260,000
2018-08-17Sold$115,400

For Sale by Agent

AgentGina Jenkins
BrokerageRealty Executives of Hickory

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