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828 Jamestown Rd, Morganton, NC, 28655

3beds
2baths
1,493sqft
$250,000
$167price/sqft
$1,696/moest. monthly cost
$67,840/yrincome needed

About This Home

Charming and full of character, this 3-bedroom, 1.5-bath home in Morganton offers the perfect blend of comfort, convenience, and affordability. Listed below recently appraised value. Appraisal is provided in the listing attachments. This home won't last long. Situated on approximately 0.67 acres, this property offers ample outdoor space while remaining conveniently located near I-40, shopping, dining, and parks. Featuring over 1,400 square feet of living space, the home offers a functional layout with primary living areas on the main level and an additional upper-level bedroom with a half bath. Inside, you’ll find beautiful hardwood floors and added mini-split systems (2025) for enhanced comfort and efficiency. Outside, enjoy a fenced backyard with a variety of fruit trees, grapevines, thornless blackberry bushes, and raspberry plants, adding charm and functionality to the property. With easy interstate access and plenty of room to enjoy both inside and out, this home offers a wonderful opportunity for a primary residence, first home, or investment property.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

6/10
Glen Alpine ElementaryGrades PK-51.9 mi
6/10
Table Rock MiddleGrades 6-82.4 mi
5/10
Freedom HighGrades 9-122.1 mi

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

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

Bathroom Full

  • Level: Main

Bathroom Half

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Features

  • Fireplace features: Living Room
  • Finished area below ground: 0
  • Finished area above ground: 1,493

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 1,493
  • Total interior livable area: 1,493 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Upper

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1782593838
  • Zoning: MID
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Long Range

Lot

  • Lot size: 0.67 Acres
  • Features: Crops,Orchard(s),Level

Parking

  • Total spaces: 2
  • Parking features: Detached Carport,Driveway,Detached Garage
  • Has garage: Yes
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • 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 StormVery High
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $1,264$15,168
Home Insurance *$98$1,176
Property Taxes $134$1,608
Electricity $200$2,405
Total$1,696$20,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,148/yr
40% on housing$50,880/yr
45% on housing$45,226/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

$167This 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
2026-05-07Listed for sale$255,000
2023-04-04Sold$191,000
2023-01-26Price change$199,000
2023-01-07Price change$200,000
2022-11-11Listed for sale$219,900

For Sale by Agent

AgentCasey Bridges
BrokerageBridges Real Estate, LLC

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