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102 E Main Street, Ellerbe, NC, 28338

5beds
3baths
2,216sqft
$239,900
$108price/sqft
$1,760/moest. monthly cost
$70,400/yrincome needed

About This Home

Located in the heart of Ellerbe, this updated home is ready for its next owner. The main floor features three bedrooms, two full bathrooms, and an open-concept layout that creates a comfortable and welcoming space. With plenty of room for family and friends, this home offers small-town charm and is conveniently located close to everything Ellerbe has to offer. Upstairs, you'll find two additional bedrooms and a half bath, providing extra space for guests, a home office, or hobbies.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

5/10
4/10
Ellerbe Junior HighGrades 6-80.1 mi
2/10
Richmond Senior High SchoolGrades 10-129.0 mi

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Brick/Mortar
  • Roof: Shingle
  • Construction materials: Asbestos,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Vented Exhaust Fan,Electric Range

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: Second

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: Second

Bedroom5

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Master Downstairs,Walk-in Closet(s),Walk-in Shower,Built-in Features,Walk-In Closet(s)

Heating & Cooling

  • Heating features: Propane,Gas Pack,Electric,Forced Air
  • Cooling features: Multi Units

Interior Area

  • Total structure area: 1,595
  • Total interior livable area: 2,216 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Media Room

  • Level: Second

Property

Details

  • Parcel number: 747813223780
  • Zoning: R-20
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Patio & porch: Covered,Front Porch
  • Fencing: None
  • Has view: Yes
  • View description: None
  • Frontage type: See Remarks
  • Living area range: 1400 - 1599

Lot

  • Lot size: 10,019 sqft
  • Lot size dimensions: .23 acres

Parking

  • Parking features: Off Street

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

  • Hurricane
    HurricaneRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hurricane
Ice Storm
Strong Wind
Tornado
Cold Wave
Drought
Hail
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters in Richmond 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 $1,213$14,556
Home Insurance *$164$1,968
Property Taxes $177$2,124
Electricity $206$2,476
Total$1,760$21,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,342/yr
40% on housing$52,800/yr
45% on housing$46,933/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: 9.9%
9.9%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 28338$88
Richmond County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 28338$107
Richmond County$107

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
2026-06-17Listed for sale$239,900
2025-07-18Sold$35,000
2025-07-09Contingent$49,900
2025-05-19Price change$49,900
2025-04-03Price change$55,000
2025-02-17Price change$65,000
2025-01-18Price change$75,000
2024-12-12Listed for sale$80,000

For Sale by Agent

AgentOlivia Meacham
BrokerageThomas Realty

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