104 Jefferson St, Morganton, NC, 28655
About This Home
A magical storybook stone cottage with a downtown social life and secret gardens all its own. Just a few blocks from Morganton’s restaurants, breweries, movies, festivals and downtown events, this charmer keeps the fun close while offering a private world to come home to. Arched openings, original hardwoods, substantial moldings and a classic fireplace give the home unmistakable 1940s character. The beautifully renovated kitchen is bright, elegant and made for those who love to cook, featuring gorgeous soft close cabinetry, a gas range, inviting eat-in space and an easy flow into the dining room. The main level lives easily, with generous gathering spaces, spacious living room with cozy fireplace and a four seasons sunroom opening to a Trex deck. A side patio and gardens feel worlds away from town. Follow the garden path a little farther to a second freestanding deck hidden among mature plantings, private, green and wonderfully unexpected. The exterior-access basement offers a studio, workshop and flexible space for art, hobbies or storage. Walk downtown when the mood strikes, bring the party home and retreat to your own little world when the evening winds down.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1941
Materials
- Construction materials: Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Gas Range,Microwave,Refrigerator,Washer/Dryer
- Laundry features: In Hall,Main Level
Basement
- Has basement: Yes
- Basement: Basement Shop,Exterior Entry,Unfinished
Bathroom Full
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Level: Main
Features
- Window features: Insulated Windows
- Flooring: Tile,Wood
- Fireplace features: Gas Log,Living Room
- Finished area below ground: 0
- Finished area above ground: 1,288
Heating & Cooling
- Heating features: Heat Pump,Natural Gas
- Cooling features: Heat Pump
Interior Area
- Total structure area: 1,288
- Total interior livable area: 1,288 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Primary Bedroom
- Level: Main
Sunroom
- Level: Main
Property
Details
- Parcel number: 2703180354
- Zoning: MID
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Patio
- Exterior features: Fire Pit
Lot
- Lot size: 0.42 Acres
- Features: Other - See Remarks
Parking
- Parking features: Other - See Remarks
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
- Lightning
- Inland Flooding
- 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 | $1,683 | $20,196 |
| Home Insurance * | $131 | $1,572 |
| Property Taxes | $159 | $1,908 |
| Electricity | $200 | $2,405 |
| Total | $2,173 | $26,076 |
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 |
|---|---|---|
| 2026-07-27 | Listed for sale | $333,000 |
| 2024-05-30 | Sold | $325,000 |
| 2024-03-29 | Listed for sale | $325,000 |
| 2021-12-17 | Sold | $195,000 |
| 2017-01-06 | Sold | $87,500 |
View on Zillow