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35 Cotton Dr, Louisburg, NC, 27549

3beds
2baths
1,914sqft
$430,000
$225price/sqft
$2,814/moest. monthly cost
$112,560/yrincome needed

About This Home

This custom-built home offers 3 bedrooms, 2 full bathrooms, and a dedicated office, all thoughtfully designed on a spacious 1.02-acre lot. From the double-door entry to the open-concept layout, this home is perfect for both entertaining and everyday living. The kitchen features quartz countertops, a subway tile backsplash, soft-close shaker-style cabinets, and stainless steel appliances. Durable LVP flooring runs throughout the home, with LVT flooring in the bathrooms. The primary suite includes a beautifully tiled walk-in shower, separate vanities. Additional features include interior doors with black hardware, a spacious finished 2-car garage with extra storage space, and a 18x12 back deck perfect for relaxing or grilling outdoors. Come see everything this beautiful home has to offer. 10 minute drive to Downtown Louisburg and a few minutes into the town of Bunn. Builder offering $5,000 in closing costs.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

8/10
Royal ElementaryGrades PK-55.5 mi
3/10
Bunn MiddleGrades 6-81.4 mi
4/10
Bunn HighGrades 9-123.1 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Brick/Mortar,Raised
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2026

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman, Ranch, Transitional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Electric Range,Free-Standing Range,Microwave,Range
  • Laundry features: Electric Dryer Hookup,Main Level,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Bar,Ceiling Fan(s),Chandelier,Kitchen Island,Open Floorplan,Pantry,Quartz Counters,Recessed Lighting,Smooth Ceilings,Soaking Tub,Stone Counters,Water Closet
  • Door features: French Doors
  • Flooring: Vinyl,Wood,See Remarks
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,914
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

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

Interior Area

  • Total structure area: 1,914
  • Total interior livable area: 1,914 sqft

Property

Details

  • Parcel number: 035214
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Front Porch,Porch
  • Exterior features: Rain Gutters
  • Fencing: None
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 1.02 Acres
  • Features: Cleared

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Garage,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Cold Wave
Drought
Hail
Heat Wave
Strong Wind
Tornado

FEMA Declared Disasters in Franklin 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 $2,174$26,088
Home Insurance *$190$2,280
Property Taxes $250$3,000
Electricity $200$2,405
Total$2,814$33,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,480/yr
40% on housing$84,420/yr
45% on housing$75,040/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$225This listing

vs Other Active Listings

Avg $/sqft

ZIP 27549$157
Franklin County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 27549$195
Franklin County$208

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
2026-05-14Listed for sale$430,000

New Construction

AgentLizmary Caban
BrokerageReal Broker, LLC

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