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205 Taylors Creek St, Mount Holly, NC, 28120

4beds
3baths
2,844sqft
$449,900
$158price/sqft
$3,044/moest. monthly cost
$121,760/yrincome needed

About This Home

This well-maintained 4-bedroom, den, and 2.5-bath home in Mount Holly is move-in ready with fresh interior paint in a warm neutral palette, new carpet throughout all bedrooms, living, and stair areas, and a spacious two-level floor plan that offers generous room to live, work, and entertain. The upper level features four well-sized bedrooms including a primary suite with a sitting room and walk-in closets, while the kitchen is ready for daily use and every bathroom has been refreshed. Updated lighting adds a modern touch in key areas, and the exterior presents strong curb appeal. A comfortable, well-cared-for home offering size, comfort, and quality in a convenient Mount Holly neighborhood

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

8/10
5/10
5/10
East Gaston High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Slab
  • Construction materials: Brick Partial,Shingle/Shake,Vinyl,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave
  • Laundry features: Laundry Room,Upper Level

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Fireplace features: Family Room
  • Finished area below ground: 0
  • Finished area above ground: 2,844

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,844
  • Total interior livable area: 2,844 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 224740
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.23 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: 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 StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind

FEMA Declared Disasters in Gaston 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 $2,274$27,288
Home Insurance *$150$1,800
Property Taxes $356$4,272
Electricity $264$3,178
Total$3,044$36,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,365/yr
40% on housing$91,320/yr
45% on housing$81,173/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: 16.2%
16.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 28120$172
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28120$199
Gaston County$187

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
2026-07-30Price change$449,900
2026-06-26Listed for sale$459,900
2026-06-05Sold$421,500
2018-01-19Sold$271,500

For Sale by Agent

AgentSteve Metarelis
BrokerageOfferPad Brokerage LLC

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