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3734 N Lail Ave, Morganton, NC, 28655

3beds
2baths
1,176sqft
$213,700
$182price/sqft
$1,513/moest. monthly cost
$60,520/yrincome needed

About This Home

Hard to find 3 bedroom, 1.5 bathroom brick ranch style home with basement in the Glen Alpine area and just a short drive to downtown Morganton. Large kitchen with ample countertop and cabinet space. Living room offers space to entertain family and friends. Primary bedroom features closet space along with half bathroom. Full basement offers room for projects and storage.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
Glen Alpine ElementaryGrades PK-51.1 mi
7/10
Table Rock MiddleGrades 6-81.5 mi
4/10
Freedom HighGrades 9-124.0 mi

Construction

Condition

  • Year built: 1975

Materials

  • Roof: Composition
  • Construction materials: Brick Full

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,176

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 1,176
  • Total interior livable area: 1,176 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1773259107
  • Zoning: R20
  • Special condition: Real Estate Owned

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 1.01 Acres
  • Features: Sloped

Parking

  • Parking features: Attached Carport
  • Carport: 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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Cold Wave
Inland Flooding
Strong Wind
Tornado

FEMA Declared Disasters in Burke 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 $1,080$12,960
Home Insurance *$84$1,008
Property Taxes $149$1,788
Electricity $200$2,405
Total$1,513$18,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,874/yr
40% on housing$45,390/yr
45% on housing$40,346/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 28655$184
Burke County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 28655$177
Burke County$195

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
2025-12-30Sold$170,640
2022-07-26Sold$209,000
2022-06-29Contingent$209,900
2022-06-23Listed for sale$209,900

Unknown Listed By

AgentNicholas Newton
BrokerageColdwell Banker Newton RE

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