108 Clearwater Dr, Morganton, NC, 28655
About This Home
Two story home with completed walk out basement. Beautiful private yard with professional landscaping with fenced in yard. Close to shopping, downtown and schools. Master is on main floor with remodeled en suite bathroom and custom closet. Open floor plan in kitchen and family room includes formal living room and dining room. Sliding glass door leads to covered large covered 3 bedrooms upstairs and one bathroom. One very large bedroom could be used as playing area or office. Basement includes family room with gas fireplace, kitchen, one bedroom, 1 bathroom and office or another den. French doors lead out to covered porch.
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 2002
Materials
- Construction materials: Vinyl
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Exhaust Hood,Microwave,Refrigerator,Washer
- Laundry features: Electric Dryer Hookup,In Basement
Basement
- Has basement: Yes
- Basement: Finished,Full,Storage Space,Sump Pump,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bedrooms: 1
Features
- Flooring: Carpet,Tile
- Fireplace features: Family Room,Gas Log,Outside,Other - See Remarks
- Finished area below ground: 1,210
- Finished area above ground: 2,672
Heating & Cooling
- Heating features: Central,ENERGY STAR Qualified Equipment,Forced Air,Heat Pump
- Cooling features: Central Air,ENERGY STAR Qualified Equipment
Interior Area
- Total structure area: 2,672
- Total interior livable area: 3,882 sqft
Primary Bedroom
- Level: Main
Property
Details
- Parcel number: 46856
- Zoning: NC-O
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio,Porch,Other
Lot
- Lot size: 0.51 Acres
Parking
- Total spaces: 2
- Parking features: Attached Garage,Garage on Main Level
- 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
- Inland Flooding
- Ice Storm
- Lightning
- Cold Wave
- Drought
- Hail
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Burke County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,413 | $40,956 |
| Home Insurance * | $266 | $3,192 |
| Property Taxes | $317 | $3,804 |
| Electricity | $361 | $4,338 |
| Total | $4,357 | $52,284 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-23 | Listed for sale | $675,000 |
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