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2045 Saddlebred Dr, Iron Station, NC, 28080

5beds
5baths
3,781sqft
$580,000
$153price/sqft
$3,747/moest. monthly cost
$149,880/yrincome needed

About This Home

Welcome to The Farms at Ingleside in Iron Station! Built in 2020, this move-in ready 5-bedroom, 4.5bath home offers an open and functional floor plan designed for today's lifestyle. The main level features a guest bedroom with a full bath, ideal for multi-generational living or overnight visitors. Enjoy a spacious eat-in kitchen, formal dining room, and multiple living areas perfect for entertaining or everyday living. Upstairs, a dedicated theater room provides the perfect space for movie nights or game days. The fenced backyard with a fire pit is ready for outdoor gatherings and relaxing evenings. Additional highlights include generous walk-in closets, abundant storage, and well-maintained living spaces throughout. Don't miss this opportunity to own a beautiful home in one of Iron Station's desirable communities. Schedule your showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

6/10
4/10
East Lincoln MiddleGrades 6-83.7 mi
8/10
East Lincoln HighGrades 9-120.8 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Slab
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven
  • Laundry features: Laundry Room

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,781

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,781
  • Total interior livable area: 3,781 sqft

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 102232
  • Zoning: PD-R
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Deck
  • Exterior features: Fire Pit
  • Fencing: Back Yard,Fenced

Lot

  • Lot size: 0.18 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

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Lincoln 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 $2,932$35,184
Home Insurance *$174$2,088
Property Taxes $289$3,468
Electricity $352$4,225
Total$3,747$44,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,468/yr
40% on housing$112,410/yr
45% on housing$99,920/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 8.5%
8.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$153This listing

vs Other Active Listings

Avg $/sqft

ZIP 28080$315
Lincoln County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28080$194
Lincoln County$204

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
2026-07-11Listed for sale$580,000
2026-05-01Listing removed$600,000
2026-01-16Price change$600,000
2025-11-22Listed for sale$625,000
2020-12-30Sold$417,715

For Sale by Agent

AgentErica Hayden
BrokerageHayden Realty

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