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305 Wingate Ct, Shelby, NC, 28152

2beds
2baths
1,000sqft
$198,400
$198price/sqft
$1,456/moest. monthly cost
$58,240/yrincome needed

About This Home

NO HOA!!! 2 story, 2 bedroom 1 and a half bath cottage style home is the perfect place to call home. Built in 2022, many components are still under warranty!! Located conveniently close to restaurants, shopping and schools while still peacefully seated on a private dead-end street. Open concept downstairs is ideal for entertaining rather inside or outside in the privacy fenced back yard. Upstairs features 2 bedrooms and a full bath. This home combines modern and cozy in one! Kitchen comes with stainless appliances and white quartz countertops. The luxury vinyl floors, modern fixtures and clean feel of the space truly makes this home one of the nicest newer homes available! FHA friendly!

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

2/10
James Love ElementaryGrades PK-51.6 mi
4/10
Shelby MiddleGrades 6-80.8 mi
3/10
Shelby HighGrades 9-120.2 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator
  • Laundry features: Main Level

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,000

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 20737
  • Zoning: R6
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Back Yard

Lot

  • Lot size: 0.21 Acres

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
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Inland Flooding
Strong Wind
Tornado

FEMA Declared Disasters in Cleveland 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 $1,003$12,036
Home Insurance *$92$1,104
Property Taxes $161$1,932
Electricity $200$2,405
Total$1,456$17,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,920/yr
40% on housing$43,680/yr
45% on housing$38,826/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 28152$128
Cleveland County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 28152$158
Cleveland County$162

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
2026-04-18Listed for sale$199,000
2025-07-09Listing removed$204,999
2025-05-30Price change$204,999
2025-04-03Price change$209,999
2025-03-06Price change$213,900
2025-02-14Price change$214,000
2025-02-07Listed for sale$219,000
2022-11-01Sold$188,000
2022-09-28Contingent$189,000
2022-09-27Price change$189,000
2022-09-15Listed for sale$199,000
2021-09-24Sold$3,000

For Sale by Agent

AgentStefanie Hill
BrokerageHill Real Estate Group

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