See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

106 Shields Dr, Lincolnton, NC, 28092

3beds
3baths
3,190sqft
$445,000
$139price/sqft
$3,089/moest. monthly cost
$123,560/yrincome needed

About This Home

Welcome to Lincoln Country Club Villas, where this beautifully appointed 3BR, 2.5BA townhome, built in 2021, offers upscale golf course living with 3,190 sq ft of thoughtfully designed space. This impressive home features a 2-car garage, LVP flooring throughout, blinds, and an open-concept layout ideal for both everyday living and entertaining. The spacious kitchen is a standout with a custom oversized island, granite countertops, tile backsplash, under-cabinet lighting, soft-close cabinetry, new stainless steel appliances, and a custom pantry with built-in storage. The primary suite is a luxurious retreat with a walk-in closet with custom cabinetry, dual vanity, and a custom tiled shower with seamless glass. Upstairs offers a loft, office/flex room, massive bonus room, and 2 guest bedrooms with walk-in closets joined by a Jack & Jill bath with dual vanity and custom tiled shower. Step outside to enjoy luxurious outdoor living with a 500 sq ft hardscaped patio, partially covered by a custom wood pavilion. Optional golf membership offers access to country club amenities, all just minutes from downtown Lincolnton and Hwy 321 for easy access to Hickory, Gastonia, and Charlotte.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10
S Ray Lowder ElementaryGrades PK-51.3 mi
3/10
Lincolnton MiddleGrades 6-84.5 mi
4/10
Lincolnton HighGrades 9-122.4 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Construction materials: Stucco

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Exhaust Hood,Microwave
  • Laundry features: Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Family Room

  • Level: Upper

Features

  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 3,190

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 3,190
  • Total interior livable area: 3,190 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Upper

Primary Bedroom

  • Level: Main

Recreation Room

  • Level: Upper

Property

Details

  • Parcel number: 103347
  • Zoning: RMF
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Patio

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Parking Lot,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 StormRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Inland Flooding
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 $2,250$27,000
Home Insurance *$183$2,196
Property Taxes $359$4,308
Electricity $297$3,565
Total$3,089$37,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,908/yr
40% on housing$92,670/yr
45% on housing$82,373/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

$139This listing

vs Other Active Listings

Avg $/sqft

ZIP 28092$168
Lincoln County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28092$183
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
2026-04-02Listed for sale$450,000
2024-10-29Sold$389,900
2024-09-17Listed for sale$389,900
2022-05-12Sold$365,000

For Sale by Agent

AgentTravis Repman
BrokerageColdwell Banker Mountain View

Similar Homes