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860 White Dirt Rd, Dobson, NC, 27017

2beds
3baths
1,820sqft
$140,000
$77price/sqft
$1,047/moest. monthly cost
$41,880/yrincome needed

About This Home

Opportunity to own nearly 11 acres in Dobson! This property is being sold as-is and is perfect for a builder, investor, or DIY enthusiast. The Land: 10.86 beautiful acres with plenty of privacy. The Utilities: Existing well and septic already in place. The House: Needs a complete remodel or a fresh start as a new homesite. Great location for those looking to get away from the noise while staying close to local amenities

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
Dobson Elementary SchoolGrades PK-53.8 mi
6/10
Central Middle SchoolGrades 6-83.5 mi
4/10
Surry Central High SchoolGrades 9-124.9 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Footing
  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Carpet
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Other
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,820 sqft

Property

Details

  • Parcel number: 497800716270

Features

  • Exterior features: Wood

Lot

  • Lot size: 10.86 Acres

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

  • Cold Wave
    Cold WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Strong Wind
Drought
Hail
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Surry 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 $707$8,484
Home Insurance *$69$828
Property Taxes $71$852
Electricity $200$2,405
Total$1,047$12,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,897/yr
40% on housing$31,410/yr
45% on housing$27,920/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: 8.1%
8.1%
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

$77This listing

vs Other Active Listings

Avg $/sqft

ZIP 27017$173
Surry County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 27017$156
Surry 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)

No zestimate history available

Price History

DateEventPrice
2026-06-29Price change$140,000
2026-06-11Listed for sale$145,000
2015-09-25Sold$115,000
2007-11-05Sold$145,000
2005-08-15Sold$129,500

For Sale by Owner

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