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103 Hamp St, Morganton, NC, 28655

5beds
3baths
2,179sqft
$387,900
$178price/sqft
$2,517/moest. monthly cost
$100,680/yrincome needed

About This Home

So much home for the money! This spacious property offers up to five bedrooms and three full bathrooms, providing flexibility for growing households, guests, or work-from-home needs. Step through the front door into a wide, welcoming foyer. To the right, you’ll find a traditional living room, while straight ahead opens into the kitchen and dining area, complemented by a bright sunroom—perfect for everyday living or entertaining. The main level is thoughtfully laid out with three generously sized bedrooms and two full bathrooms located down the hall. On the opposite side of the home, two additional bedrooms and an updated full bath create an ideal setup for guests, extended family, or private office space. An interior stairwell leads to the unfinished basement, offering abundant storage or future expansion potential. Outside, enjoy warm Carolina days in the above-ground pool with surrounding deck space—great for relaxing or hosting. The approximately 1.12-acre lot is mostly level, providing plenty of room for outdoor activities, gardening, or pets. A true standout feature is the 24x26 detached metal garage, perfect for hobbies, storage, or working on that special car or truck. Conveniently located near W.A. Young Elementary School and just minutes from I-40, this home offers easy access to everything. Enjoy nearby Lake James, hiking trails, and the natural beauty of the Western North Carolina foothills. Downtown Morganton—with its shops, restaurants, and vibrant events—is just a short drive away, and Asheville is within an easy hour’s commute. Priced to sell—don’t miss this incredible opportunity!

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

6/10
Glen Alpine ElementaryGrades PK-50.5 mi
6/10
Table Rock MiddleGrades 6-82.3 mi
5/10
Freedom HighGrades 9-123.6 mi

Construction

Condition

  • Year built: 1969

Materials

  • Roof: Composition
  • Construction materials: Brick Full,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 5

Dining Area

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 2,179

Heating & Cooling

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

Interior Area

  • Total structure area: 2,179
  • Total interior livable area: 2,179 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 1772782717
  • Zoning: LID
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: Above Ground
  • Patio & porch: Deck

Lot

  • Lot size: 1.12 Acres
  • Features: Cleared

Parking

  • Total spaces: 2
  • Parking features: Attached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • 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 $1,961$23,532
Home Insurance *$153$1,836
Property Taxes $201$2,412
Electricity $202$2,435
Total$2,517$30,204
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,297/yr
40% on housing$75,510/yr
45% on housing$67,120/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

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 28655$183
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
2026-03-18Listed for sale$399,900
2018-06-07Sold$152,500

For Sale by Agent

AgentBryan Black
BrokerageRE/MAX Southern Lifestyles

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