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2153 S Fork Dr, Morganton, NC, 28655

2beds
3baths
2,424sqft
$370,000
$153price/sqft
$2,450/moest. monthly cost
$98,000/yrincome needed

About This Home

Solid brick home with basement located on a peaceful 1.35-acre lot in a quiet, established neighborhood just minutes from town. This 2-bedroom, 2.5-bath home features a flexible layout with an additional flex room suitable for an office, guest space, or hobby room, previous owner used as a bedroom. The primary bedroom, laundry room and attached 2-car garage are conveniently located on the main level. The living room opens to a deck overlooking the private setting, while the basement offers walk-out access to an enclosed porch and additional space for storage or future expansion. A large detached workshop with power and a one-car garage adds exceptional value for projects or storage. Home is ready for updates and improvements, bring your vision and make this property your own.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

6/10
Salem ElementaryGrades PK-52.2 mi
4/10
Liberty MiddleGrades 6-84.2 mi
9/10

Construction

Condition

  • Year built: 1981

Materials

  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: French Drain,Interior Entry,Partially Finished,Storage Space,Walk-Out Access

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Basement

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Basement

Bedrooms & Bathrooms

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

Den

  • Level: Basement

Dining Room

  • Level: Main

Features

  • Flooring: Carpet,Concrete,Linoleum,Parquet
  • Fireplace features: Den,Wood Burning
  • Finished area below ground: 976
  • Finished area above ground: 1,448

Flex Space

  • Level: Basement

Heating & Cooling

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

Interior Area

  • Total structure area: 1,448
  • Total interior livable area: 2,424 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Basement

Primary Bedroom

  • Level: Main

Sunroom

  • Level: Basement

Property

Details

  • Parcel number: 36573
  • Zoning: R-1
  • Special condition: Standard
  • Exclusions: Work bench in detached garage with Vice

Features

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

Lot

  • Lot size: 1.35 Acres
  • Features: Cleared

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,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

  • Lightning
    LightningRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Lightning
Ice Storm

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 $1,870$22,440
Home Insurance *$146$1,752
Property Taxes $209$2,508
Electricity $225$2,709
Total$2,450$29,400
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,000/yr
40% on housing$73,500/yr
45% on housing$65,333/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

$153This 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
2026-03-25Price change$370,000
2026-01-29Listed for sale$394,900

For Sale by Agent

AgentSaralyn Maiella
BrokerageHorizon Realty Associates LLC

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