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1203 Summerhill St SW, Lenoir, NC, 28645

3beds
2baths
1,520sqft
$424,900
$280price/sqft
$2,688/moest. monthly cost
$107,520/yrincome needed

About This Home

Welcome home to this thoughtfully designed, custom built, modern, farmhouse 3 bed/2 bath, ranch home with no detail left undone! Walk through the beautiful, double, wooden front doors into an inviting living area with tray ceiling and an electric fireplace that opens right into the kitchen. The kitchen boasts a large island with plenty of space for cooking and eating with storage underneath, granite countertops, and stainless-steel appliances. The primary suite features a tray ceiling, private en-suite bath showcasing a tiled shower with bench seating and granite countertops as well. Two additional bedrooms offer flexibility for guests, a home office or additional needs with a full bath in between. The home features a large laundry room with a sink, pocket doors throughout, a 2-car, insulated, garage that measures 25' x 25' with two 9' doors, covered front porch, partially covered rear deck with Trex decking that backs up to a wooded area. The exterior boasts vinyl board and batten siding with beautiful black windows and shutters with stone around the foundation. There is also an irrigation system installed to take care of your yard! Enjoy the convenience of one-level living with all this home has to offer!

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

8/10
8/10
William Lenoir MiddleGrades 6-82.7 mi
4/10
Hibriten HighGrades PK,9-122.9 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Crawl Space
  • Roof: Composition
  • Construction materials: Aluminum,Stone,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Cooktop,Electric Oven,Electric Water Heater,Microwave,Oven
  • Laundry features: Laundry Room

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom S

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

Bedroom S

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

Bedrooms & Bathrooms

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

Features

  • Kitchen Island,Walk-In Closet(s)
  • Door features: Pocket Doors
  • Window features: Insulated Windows
  • Flooring: Vinyl
  • Fireplace features: Living Room
  • Finished area below ground: 0
  • Finished area above ground: 1,520

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,520
  • Total interior livable area: 1,520 sqft

Kitchen

  • Features: Built-in Features,Ceiling Fan(s),Kitchen Island,Open Floorplan,Tray Ceiling(s)
  • Level: Main

Laundry

  • Features: Built-in Features
  • Level: Main

Living Room

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

Primary Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Tray Ceiling(s),Walk-In Closet(s)
  • Level: Main

Property

Accessibility

  • Accessibility features: Mobility Friendly Flooring,No Interior Steps

Details

  • Parcel number: 2759005601
  • Zoning: R-12
  • Special condition: Standard
  • Exclusions: See agent remarks

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Front Porch,Rear Porch
  • Exterior features: In-Ground Irrigation

Lot

  • Lot size: 0.32 Acres
  • Features: Cleared

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Faces Front,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
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • 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 $2,148$25,776
Home Insurance *$178$2,136
Property Taxes $162$1,944
Electricity $200$2,405
Total$2,688$32,256
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,160/yr
40% on housing$80,640/yr
45% on housing$71,680/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

$280This listing

vs Other Active Listings

Avg $/sqft

ZIP 28645$170
Caldwell County$192

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
2026-08-05Price change$419,900
2026-06-30Listed for sale$424,900
2026-06-04Listing removed$424,900
2026-05-23Listed for sale$424,900
2025-02-14Sold$355,000
2010-09-05Listing removed$32,500
2010-05-01Listed for sale$32,500

For Sale by Agent

AgentCarolyn McMurray
BrokerageRealty Executives of Hickory

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