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1380 3rd Creek Church Rd, Cleveland, NC, 27013

3beds
4baths
3,182sqft
$1,200,000
$377price/sqft
$7,055/moest. monthly cost
$282,200/yrincome needed

About This Home

Welcome to this stunning approximate 17 acre property with 1.5 story picturesque white farmhouse, black metal roof, fully finished basement and all the country living you've been dreaming of. Privacy at its finest. The long, winding driveway leads you to the expansive three-sided wrap around deck and all the beautiful views you've ever wanted. Perfect mix of fields, woods and gorgeous evening sunsets overlooking the in-ground pool. Fully finished basement (done in 2025) with LVP throughout provides much opportunity with 2 flex rooms that have a window and closet (septic permit is for 3 bedrooms) living room, office area, laundry room, full bathroom and large storage closet. This home has stunning pine flooring throughout main and upper level. Main level hosts 2 bedrooms, full bath, living room, dining area, kitchen and half bath. The upper level is reserved for the oversized primary suite with spacious full bathroom and closet and storage space galore. Both full baths remodeled in 2023 and kitchen being updated with new cabinets (week of 8/10), countertops and new appliances. Interior main level and upper was all freshly painted in 2023. Upstairs HVAC unit replaced in 2023. Generous concrete area below back deck and along the side of home provides ample, covered storage area for lawnmowers, tractors, ATV's etc. This property provides so much beauty and peace as is but also has plenty of opportunity and is a blank canvas for a future farm, homesteading, gardens galore or equestrian estate. Two chicken coops are in place. Approximately 10 acres are currently in active hay production, offering excellent agricultural potential for farming, livestock or equestrian use. Property is currently enrolled in the NC Present Use Value (Farm/Forestry) agricultural tax deferment program. Buyer should verify continued eligibility and application requirements with county tax office and understand that deferred taxes may become due if the property no longer qualifies. Conveniently located close to all assigned schools, I77 and I40 access, Mooresville, Statesville, Winston Salem. Property consists of 2 parcels (257-033 & 257-034) totaling approximately 17.37 acres.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

5/10
West Rowan ElementaryGrades PK-51.8 mi
2/10
West Rowan Middle SchoolGrades 6-86.1 mi
2/10
West Rowan High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1998

Materials

  • Construction materials: Brick Partial,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Exhaust Hood,Microwave,Oven,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Basement

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Dining Area

  • Level: Main

Features

  • Finished area below ground: 1,288
  • Finished area above ground: 1,894

Flex Space

  • Level: Basement

Flex Space

  • Level: Basement

Heating & Cooling

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

Interior Area

  • Total structure area: 1,894
  • Total interior livable area: 3,182 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Basement

Living Room

  • Level: Main

Living Room

  • Level: Basement

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 257033 & 257034
  • Zoning: AG-R
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: Fenced,In Ground

Lot

  • Lot size: 17.37 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

  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Drought
Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Rowan 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 $6,067$72,804
Home Insurance *$661$7,932
Property Taxes $31$372
Electricity $296$3,556
Total$7,055$84,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$241,885/yr
40% on housing$211,650/yr
45% on housing$188,133/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: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.8%
6.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$377This listing

vs Other Active Listings

Avg $/sqft

ZIP 27013$254
Rowan County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 27013$158
Rowan County$178

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
2026-07-29Listed for sale$1,200,000

For Sale by Agent

AgentAmanda Lee
BrokerageNorthGroup Real Estate LLC

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