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4209 Homeplace Dr, Shelby, NC, 28152

2beds
1baths
1,464sqft
$165,000
$113price/sqft
$1,195/moest. monthly cost
$47,800/yrincome needed

About This Home

Discover this affordable one-story home in a rural Shelby setting. Returning to the market at a very competitive price - an excxellent opportunity to own this home as your residence or an investment property at an exceptional value! Offering 3 bedrooms (septic permitted for 2) and 1 full bath, the home features a welcoming great room with fireplace and a kitchen equipped with electric range, microwave, refrigerator, and subway tile backsplash. With laminate wood and tile flooring throughout, it’s clean, well-maintained, and move-in ready. A double garage provides plenty of storage and parking, while the large lot offers space to enjoy the outdoors. Select photos feature virtual staging and image enhancement for marketing purposes, allowing you to better visualize the scale and functionality of the space. Don't miss your chance to act quickly!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

4/10
6/10
Crest High SchoolGrades 9-124.8 mi

Construction

Condition

  • Year built: 1982

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick Partial,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Refrigerator
  • Laundry features: Laundry Room

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • Flooring: Laminate,Tile
  • Fireplace features: Great Room,Wood Burning
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 1,464

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,464
  • Total interior livable area: 1,464 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Property

Details

  • Parcel number: 72211
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck

Lot

  • Lot size: 0.45 Acres
  • Lot size dimensions: 100 x 200

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

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Cold Wave
Hail
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 $834$10,008
Home Insurance *$76$912
Property Taxes $85$1,020
Electricity $200$2,405
Total$1,195$14,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,971/yr
40% on housing$35,850/yr
45% on housing$31,866/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

$113This 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
2026-06-18Listed for sale$165,000
2026-05-01Listing removed$195,000
2026-02-09Price change$195,000
2025-09-16Listed for sale$223,900
2024-06-17Listing removed--
2024-05-30Listed for rent$995

For Sale by Agent

AgentTricia Hageman
BrokerageNorthGroup Real Estate LLC

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