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6470 Stone Mountain Rd, Lenoir, NC, 28645

2beds
3baths
1,743sqft
$389,900
$224price/sqft
$2,535/moest. monthly cost
$101,400/yrincome needed

About This Home

Nestled in a serene landscape, this charming two-story home offers the perfect country escape. Surrounded by lush greenery and a year-round stream, the property boasts flat, usable land that enhances its allure. With its impressive curb appeal, the home welcomes you with beautiful touches throughout, including a stunning stone fireplace and elegant wood floors that create a warm atmosphere. Step inside to discover a thoughtfully designed interior featuring a beautiful kitchen equipped with modern appliances and ample storage. The layout flows seamlessly into the cozy living room, making it ideal for gatherings. Additionally, there’s a versatile bonus room that can be tailored to your needs be it a home office, playroom, or guest suite. Seclusion is a hallmark of this property, it's set back from the road, offering privacy and tranquility amidst nature's beauty. Enjoy quiet evenings on the expansive deck, taking in the peaceful surroundings, or explore the beautifully maintained grounds. This home is more than just a property, it’s a retreat where you can unwind and reconnect with nature, making it a perfect haven for anyone seeking a slower pace of life!!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
Happy Valley ElementaryGrades PK-85.4 mi
4/10
Hibriten HighGrades 9-1210.8 mi

Construction

Condition

  • Year built: 1993

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Main Level

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,743

Heating & Cooling

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

Interior Area

  • Total structure area: 1,743
  • Total interior livable area: 1,743 sqft

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 1434123A
  • Zoning: RA-20
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 1.78 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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 FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Ice Storm
Landslide
Lightning
Strong Wind

FEMA Declared Disasters in Caldwell 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 $1,971$23,652
Home Insurance *$163$1,956
Property Taxes $201$2,412
Electricity $200$2,405
Total$2,535$30,420
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,914/yr
40% on housing$76,050/yr
45% on housing$67,600/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: 12.6%
12.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$224This listing

vs Other Active Listings

Avg $/sqft

ZIP 28645$170
Caldwell County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 28645$161
Caldwell County$173

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
2026-04-21Listed for sale$414,900
2025-12-12Sold$369,000
2025-07-28Price change$379,000
2025-05-27Price change$398,000
2025-05-21Listed for sale$408,000
2023-06-06Sold$303,000
2023-05-10Pending sale$299,900
2023-05-08Listed for sale$299,900
2013-12-30Sold$29,900

For Sale by Agent

AgentChase Barlow Gray
BrokerageChase Gray Realty LLC

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