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205 Stowe Acres, Kings Mountain, NC, 28086

2beds
1baths
880sqft
$180,000
$205price/sqft
$1,284/moest. monthly cost
$51,360/yrincome needed

About This Home

Charming 2 bedroom, 1-bath bungalow nestled on a quiet street! This cozy home offers a great layout with a welcoming living room, a spacious kitchen, and a separate dining room. Enjoy mornings on the covered front porch or relax in the fully fenced backyard with a covered (but open) back porch ideal for outdoor living. Whether you're looking for your first home or ready to downsize, this well-kept gem offers comfort, charm, and convenience.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

5/10
East ElementaryGrades PK-40.6 mi
3/10
Kings Mountain MiddleGrades 7-82.9 mi
5/10
Kings Mountain HighGrades 9-122.6 mi

Construction

Condition

  • Year built: 1954

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Exhaust Fan,Exhaust Hood,Refrigerator
  • Laundry features: Common Area,Electric Dryer Hookup

Basement

  • Basement: Other

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Door features: Insulated Door(s)
  • Window features: Insulated Windows
  • Finished area below ground: 0
  • Finished area above ground: 880

Heating & Cooling

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

Interior Area

  • Total structure area: 880
  • Total interior livable area: 880 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 9190
  • Zoning: SU
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Rear Porch
  • Fencing: Full

Lot

  • Lot size: 0.31 Acres
  • Features: Level

Parking

  • Parking features: Driveway
  • 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
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Tornado

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 $910$10,920
Home Insurance *$78$936
Property Taxes $96$1,152
Electricity $200$2,405
Total$1,284$15,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,022/yr
40% on housing$38,520/yr
45% on housing$34,240/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

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 28086$203
Cleveland County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 28086$172
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
2026-04-07Price change$195,000
2026-02-05Listed for sale$205,000
2026-01-01Listing removed$219,000
2025-08-15Price change$219,000
2025-05-09Listed for sale$239,000
2013-07-26Sold$15,000

For Sale by Agent

AgentJoni Smith
BrokerageJolly Realty Group LLC

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