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98 Shady Ln, Henderson, NC, 27537

3beds
2baths
1,248sqft
$295,000
$236price/sqft
$1,932/moest. monthly cost
$77,280/yrincome needed

About This Home

Just in time for LAKE SEASON! This well maintained one owner 2021 home is ready for boat rides, endless fishing trips, evenings in the sand, and watching the sun set on beautiful Kerr Lake. Enjoy sunny lake days on your shared dock with good water underneath it (Plenty of boat ramps in close proximity). Boasting 3 beds and 2 baths, this home is turnkey. Sitting on .75 acres this home is a rare find, offering plenty of space for it's new owner. Sip coffee on the front porch while enjoying the Lake Life setting. Whether you are looking for your weekend get-away, forever home, or investment property this one has endless possibilities. Fridge, stove, dishwasher, and Dryer to convey with the home. Schedule your showing today and come live Lake life.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

4/10
3/10
1/10

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Brick/Mortar
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Traditional
  • Property subType: Manufactured On Land,Residential,Manufactured Home

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,248

Heating & Cooling

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

Interior Area

  • Total structure area: 1,248
  • Total interior livable area: 1,248 sqft

Property

Details

  • Parcel number: 0361A01010
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 0.77 Acres

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Drought
Hail
Hurricane
Heat Wave
Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Vance 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 $1,491$17,892
Home Insurance *$133$1,596
Property Taxes $108$1,296
Electricity $200$2,405
Total$1,932$23,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,240/yr
40% on housing$57,960/yr
45% on housing$51,520/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 27537$136
Vance County$118

vs Homes Sold Last Month

Median $/sqft

ZIP 27537$167
Vance County$167

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
2026-04-24Price change$335,000
2026-04-14Price change$342,000
2026-03-21Listed for sale$350,000
2021-07-14Sold$29,000
2012-04-11Sold$6,000
2011-06-23Sold$5,800

For Sale by Agent

AgentNathan A Watson
BrokerageNorthern Point Realty

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