1646 Silver St, Morganton, NC, 28655
About This Home
Welcome to your own private woodland retreat! Nestled on a peaceful 1.17-acre lot, this charming 3 bedroom, 1 bath home offers warmth, character, and the perfect setting to unwind. Spend your mornings or evenings relaxing on the back deck overlooking the serene wooded backyard, where privacy and nature surround you. Inside, you'll love the cozy ambiance created by the wood-burning stove, perfect for gathering around during cool mountain evenings. While the home could use a little TLC and offers a wonderful opportunity to add your own personal touches, it has great bones and plenty of potential to become a cozy full-time residence, mountain getaway, or investment property. Conveniently located less than 10 minutes from Fonta Flora Trail and public access to beautiful Lake James, and less than 15 minutes from downtown Morganton, you'll enjoy easy access to hiking, biking, kayaking, boating, shopping, dining, and all the outdoor recreation Western North Carolina has to offer. If you've been dreaming of an affordable home with privacy, acreage, and endless possibilities in a sought-after location, this hidden gem is one you won't want to miss!
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 1956
Materials
- Construction materials: Asbestos
Type & Style
- Home type: SingleFamily
- Architectural style: Cabin,Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Gas Range,Refrigerator
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Storage Space,Unfinished,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
- Main level bedrooms: 3
Features
- Fireplace features: Wood Burning Stove
- Finished area below ground: 0
- Finished area above ground: 952
Heating & Cooling
- Heating features: Forced Air,Heat Pump,Oil
- Cooling features: Heat Pump,Other
Interior Area
- Total structure area: 952
- Total interior livable area: 952 sqft
Kitchen
- Features: Kitchen Island
- Level: Main
- Area: 206.9364
- Dimensions: 15' 5" X 13' 5"
Living Room
- Level: Main
- Area: 228.14
- Dimensions: 17' 0" X 13' 5"
Primary Bedroom
- Level: Main
- Area: 150.4014
- Dimensions: 11' 5" X 13' 2"
Property
Details
- Parcel number: 1774245730
- Zoning: R-2
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch,Rear Porch,Side Porch,Wrap Around
Lot
- Lot size: 1.17 Acres
- Lot size dimensions: appro x 194 x 300
Parking
- Total spaces: 8
- Parking features: Driveway
- Has uncovered spaces: Yes
- Uncovered spaces: 8
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
- Landslide
- 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 | $1,000 | $12,000 |
| Home Insurance * | $78 | $936 |
| Property Taxes | $129 | $1,548 |
| Electricity | $200 | $2,405 |
| Total | $1,407 | $16,884 |
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 | $197,900 |
| 2026-07-01 | Listing removed | $197,900 |
| 2026-06-29 | Listed for sale | $197,900 |
| 2021-11-17 | Sold | $112,900 |
| 2021-10-27 | Contingent | $107,900 |
| 2021-09-09 | Price change | $107,900 |
| 2021-08-04 | Price change | $129,500 |
| 2021-07-06 | Listed for sale | $139,500 |
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