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12141 Coyle Rd, Stanfield, NC, 28163

1beds
1baths
800sqft
$415,000
$519price/sqft
$2,642/moest. monthly cost
$105,680/yrincome needed

About This Home

Build your dream home on this exceptional property with 2.42 acres, complete with a beautifully crafted 2nd Living Quarters & 3 car garage already in place. Perfect as a private residence while you build or as an immediate income opportunity for short- or long-term rental. Designed with comfort and style in mind, the 2nd Living Quarters showcases a stunning modern kitchen featuring quartz countertops, designer cabinetry, an oversized island peninsula, open shelving, abundant pull-out storage, an induction cooktop, and a full-size refrigerator, all set against peaceful, wooded views. The inviting living room offers generous space for entertaining and is highlighted by a soaring vaulted ceiling. The spacious primary bedroom also features a vaulted ceiling, along with two walk-in closets and an en-suite bathroom. A thoughtfully designed laundry room includes 42" built-in cabinetry and a full-size washer and dryer for added convenience and storage. Whether you're looking to build, invest, or enjoy right away, this property offers flexibility, style, and opportunity. The property is already prepped and ready with the bulk of the work done for you including grading, driveway, septic and well. Shopping and restaurants are nearby along with all that Charlotte has to offer; near the big city but far enough away to enjoy the peace and serenity of the countryside. (Please only enter the lot if you have a scheduled appointment.)

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

6/10
6/10
5/10
West Stanly High SchoolGrades 9-124.1 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab,Other - See Remarks
  • Construction materials: Hardboard Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Induction Cooktop,Microwave,Oven,Refrigerator with Ice Maker,Self Cleaning Oven,Washer/Dryer
  • Laundry features: Laundry Room

Bathroom Full

  • Level: 2nd Living Quarters

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Breakfast Bar,Kitchen Island,Open Floorplan,Walk-In Closet(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Tile,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 800

Heating & Cooling

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

Interior Area

  • Total structure area: 800
  • Total interior livable area: 800 sqft

Laundry

  • Level: 2nd Living Quarters

Other

  • Features: Breakfast Bar,Built-in Features,Kitchen Island,Open Floorplan
  • Level: 2nd Living Quarters

Other

  • Features: Drop Zone,Open Floorplan
  • Level: 2nd Living Quarters

Other

  • Features: Walk-In Closet(s)
  • Level: 2nd Living Quarters

Property

Details

  • Parcel number: 558403113341
  • Zoning: Res
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck

Lot

  • Lot size: 2.42 Acres
  • Features: Cleared,Wooded
  • Lot size dimensions: 71' x 508' x 413' x 444'

Parking

  • Total spaces: 10
  • Parking features: Driveway,Attached Garage,Shared Driveway,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Uncovered spaces: 7

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
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Stanly 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 $2,098$25,176
Home Insurance *$142$1,704
Property Taxes $202$2,424
Electricity $200$2,405
Total$2,642$31,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,582/yr
40% on housing$79,260/yr
45% on housing$70,453/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$519This listing

vs Other Active Listings

Avg $/sqft

ZIP 28163$188
Stanly County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 28163$190
Stanly 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
2026-05-12Price change$425,000
2026-04-08Listed for sale$438,750

For Sale by Agent

AgentMichelle Zawacki
BrokerageBerkshire Hathaway HomeServices Carolinas Realty

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