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231 W Grover St, Shelby, NC, 28150

4beds
3baths
1,738sqft
$309,999
$178price/sqft
$2,155/moest. monthly cost
$86,200/yrincome needed

About This Home

Welcome to this spacious 4-bedroom, 2.5-bath home located in the heart of Shelby, NC. This inviting residence offers a comfortable layout with generous living spaces, a private primary suite, and additional bedrooms that provide flexibility for guests, a home office, or everyday needs. Enjoy outdoor relaxation on the covered front porch and back patio. Conveniently located near downtown Shelby, shopping, dining, and local amenities, this home offers a great opportunity to enjoy comfort and convenience in a desirable location.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Elizabeth ElementaryGrades PK-53.1 mi
4/10
Shelby MiddleGrades 6-82.6 mi
3/10
Shelby HighGrades 9-121.9 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Aluminum

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator
  • Laundry features: Other

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Features

  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,738

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,738
  • Total interior livable area: 1,738 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Features: En Suite Bathroom,Open Floorplan,Walk-In Pantry
  • Level: Upper

Property

Details

  • Parcel number: 20272
  • Zoning: RO
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

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

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Tornado
Strong Wind

FEMA Declared Disasters in Cleveland 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 $1,567$18,804
Home Insurance *$138$1,656
Property Taxes $250$3,000
Electricity $200$2,405
Total$2,155$25,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,885/yr
40% on housing$64,650/yr
45% on housing$57,466/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 28150$125
Cleveland County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 28150$161
Cleveland County$162

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
2026-08-07Price change$279,900
2026-07-17Listed for sale$309,999
2025-06-05Listing removed$1,755
2025-05-22Listed for rent$1,755
2025-05-22Listing removed$1,755
2025-04-25Price change$1,755
2025-04-21Price change$1,795
2025-04-12Price change$1,845
2025-03-19Listed for rent$1,895
2024-12-20Sold$280,000
2024-08-16Listed for sale$289,900
2022-04-28Sold$58,000

For Sale by Agent

AgentDoug Smith
BrokerageMainstay Brokerage LLC

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