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521 E 1st St, Lexington, NC, 27292

2beds
1baths
1,040sqft
$119,000
$114price/sqft
$909/moest. monthly cost
$36,360/yrincome needed

About This Home

Built in 1900, this charming 2-bedroom, 1-bath home offers historic character with room to make it your own. Recently refreshed with selective painting and floor improvements, the interior feels bright and inviting while still leaving space for thoughtful updates and personal touches. Tucked at the end of a quiet dead-end street, the setting offers reduced through traffic and a peaceful atmosphere while remaining convenient to everyday amenities. Whether you appreciate the craftsmanship of an early 20th-century home, are searching for a first home with personality, value privacy in a low-traffic setting, or see long-term hold potential, this property provides flexibility, character, and opportunity in a serene location.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

4/10
Lexington Middle SchoolGrades 6-81.0 mi
2/10

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Vinyl Siding,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Stick/Site Built,Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Range,Cooktop,Electric Water Heater
  • Laundry features: Dryer Connection,Washer Hookup

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Features

  • Finished area above ground: 1,040

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,040
  • Total interior livable area: 1,040 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 11066000H0008
  • Zoning: TN
  • Special condition: Owner Sale

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch

Lot

  • Lot size: 0.21 Acres
  • Features: Not in Flood Zone
  • Lot size dimensions: see ta x card

Parking

  • Parking features: Driveway
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Cold Wave
Inland Flooding
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Davidson 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 $601$7,212
Home Insurance *$54$648
Property Taxes $54$648
Electricity $200$2,405
Total$909$10,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,165/yr
40% on housing$27,270/yr
45% on housing$24,240/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$114This listing

vs Other Active Listings

Avg $/sqft

ZIP 27292$175
Davidson County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 27292$159
Davidson County$172

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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Price change$129,000
2026-02-25Listed for sale$135,000
2026-01-21Listing removed$127,400
2026-01-08Price change$127,400
2025-11-06Price change$129,900
2025-09-12Listed for sale$135,000
2023-08-15Listing removed--
2023-07-19Listed for rent$895
2020-08-19Listing removed$695
2020-07-27Price change$695
2020-07-16Listed for rent$750

For Sale by Agent

AgentKatie Trenerowski
BrokerageBerkshire Hathaway HomeServices Carolinas Realty

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