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2021 Dogwood Trl, Shelby, NC, 28150

3beds
3baths
1,955sqft
$469,900
$240price/sqft
$3,029/moest. monthly cost
$121,160/yrincome needed

About This Home

2021 Dogwood Trail | Shelby, NC Welcome to this beautifully designed one-story home in the peaceful Moss Lake area of Shelby! Built for comfort and easy living, this home offers the perfect blend of modern finishes and laid-back lake lifestyle. Featuring 3 bedrooms, 2.5 bathrooms, and an open-concept layout, everything you need is conveniently located on one level — no stairs, just effortless flow. The spacious living area is filled with natural light and opens seamlessly to the dining space and stylish kitchen, making it ideal for entertaining or everyday living. The primary suite offers privacy and comfort with a well-appointed bath, while the additional bedrooms provide flexibility for guests, a home office, or hobbies. Situated on a generous lot near Moss Lake, you’ll enjoy peaceful surroundings, outdoor space, and room to relax or host gatherings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

5/10
Elizabeth ElementaryGrades PK-52.0 mi
4/10
Shelby MiddleGrades 6-85.3 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range
  • Laundry features: Main Level

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 3

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,955

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,955
  • Total interior livable area: 1,955 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 25430
  • Zoning: AA1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,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

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Tornado
Inland Flooding
Strong Wind

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 $2,376$28,512
Home Insurance *$210$2,520
Property Taxes $243$2,916
Electricity $200$2,405
Total$3,029$36,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,851/yr
40% on housing$90,870/yr
45% on housing$80,773/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

$240This listing

vs Other Active Listings

Avg $/sqft

ZIP 28150$124
Cleveland County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 28150$161
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
2026-05-05Price change$495,000
2026-02-17Listed for sale$510,000
2026-02-17Listing removed$525,000
2025-12-10Listed for sale$525,000
2025-12-08Listing removed$525,000
2025-06-23Listed for sale$525,000
2024-12-11Sold$65,000
2024-09-09Listed for sale$69,000
2021-09-14Sold$5,000
2021-09-01Listing removed--
2021-08-09Listed for sale$10,000
2021-02-10Pending sale$10,000
2019-02-15Listed for sale$10,000

New Construction

AgentEvelyn Suvillaga Urbina
BrokerageColdwell Banker Realty

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