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28838 Highway 73, Albemarle, NC, 28001

4beds
3baths
2,318sqft
$414,000
$179price/sqft
$2,705/moest. monthly cost
$108,200/yrincome needed

About This Home

Welcome to this stunning farmhouse-style retreat nestled on just under an acre of nature lover's paradise — complete with a wooded backyard, babbling creek, and the kind of privacy that's nearly impossible to find. From the moment you arrive, the charcoal board-and-batten exterior, covered front porch, and landscape lighting set the tone for what awaits inside. Step through the foyer, and you're immediately greeted by a thoughtfully designed first floor featuring laminate wood flooring throughout. A private office off the foyer with double French doors is tucked away from the main living areas, making it ideal for remote work or a quiet retreat. The open-concept great room impresses with soaring natural wood ceiling beams, an electric fireplace framed in shiplap, recessed lighting, and a wall of windows overlooking the lush wooded backyard — all flowing seamlessly into the kitchen. The kitchen is an absolute showstopper and the heart of this home. White shaker cabinets with glass-front uppers are paired with a dramatic artisan tile backsplash, quartz countertops, and a large custom island with seating. A ceramic farmhouse sink is centered under a window with backyard views, and the stainless steel appliance package includes double wall ovens, an electric cooktop, a dishwasher, and a microwave. Pendant and recessed lighting, black hardware, and an oversized pantry with a built-in butler's pantry — perfectly styled as a coffee bar — complete this chef's dream space. The informal dining area features a built-in table with a quartz countertop connected to the island, plus French doors that open to the impressive 20x20 deck with cable railing, overlooking a stunning canopy of mature trees and the creek below. Whether you're sipping morning coffee or entertaining at sunset, this outdoor space is pure magic. Also on the main level is a stylish powder room with a quartz vanity and black fixtures. The finished attached two-car garage features epoxy flooring, a MyQ smart opener, recessed lighting, and extra storage. Upstairs, the spacious landing leads to four well-sized bedrooms, all with laminate wood flooring and ceiling fans. The primary suite offers a large walk-in custom closet and a spa-quality ensuite with a double quartz vanity, black fixtures, and an oversized walk-in tile shower with wave-texture wall tile, dual niches, mosaic floor tile, and a window that brings the outdoors in. Three additional bedrooms are generously sized — each with laminate wood flooring and ceiling fans — with one bedroom offering peaceful wooded views through dual windows. All three are served by a well-appointed hall bath with quartz vanity, black fixtures, and a tub/shower combo. A laundry room that redefines the standard — white cabinetry, quartz countertop, artisan tile backsplash, floating wood shelf, and a window. Exterior extras include black gutters, landscape lighting, an extra parking pad, and a creek-side backyard that truly cannot be replicated. And the location? Better than you'd expect. Less than 10 miles to Lake Tillery, under 4 miles to Uwharrie Vineyards, ~3 miles to Downtown Albemarle — Goody Shop Cafe, Connie's Coffee and Cafe, Five Points Public House, Albemarle Sweet Shop & more. Catch summer baseball with the local Wampus Cats at Don Montgomery Park, and within about an hour of Uptown Charlotte. This one is special — and homes like this don't come around often in this area.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

7/10
2/10
North Stanly Middle Grades 6-83.5 mi
3/10
North Stanly High SchoolGrades 9-125.0 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Electric Cooktop,Electric Water Heater,Exhaust Hood,Microwave,Self Cleaning Oven,Wall Oven
  • Laundry features: Laundry Room,Main Level

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Features: Ceiling Fan(s)
  • Level: Upper

Bedroom S

  • Features: Ceiling Fan(s)
  • Level: Upper

Bedroom S

  • Features: Ceiling Fan(s)
  • Level: Upper

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • Breakfast Bar,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s),Walk-In Pantry
  • Door features: French Doors,Insulated Door(s)
  • Window features: Insulated Windows
  • Flooring: Laminate
  • Fireplace features: Great Room
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,318

Great Room

  • Features: Ceiling Fan(s),Open Floorplan
  • Level: Main

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,318
  • Total interior livable area: 2,318 sqft

Kitchen

  • Features: Breakfast Bar,Kitchen Island,Open Floorplan,Walk-In Pantry
  • Level: Main

Laundry

  • Level: Upper

Office

  • Features: Ceiling Fan(s)
  • Level: Main

Primary Bedroom

  • Features: Ceiling Fan(s),Walk-In Closet(s)
  • Level: Upper

Property

Details

  • Parcel number: 652802984569
  • Zoning: HB
  • Special condition: Standard
  • Exclusions: All outdoor cameras,all attached TV's

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Front Porch

Lot

  • Lot size: 0.97 Acres
  • Lot size dimensions: 187 x 298

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Cold Wave
Lightning
Strong Wind
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 $2,093$25,116
Home Insurance *$201$2,412
Property Taxes $196$2,352
Electricity $215$2,590
Total$2,705$32,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,742/yr
40% on housing$81,150/yr
45% on housing$72,133/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

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 28001$129
Stanly County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 28001$175
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
2026-04-23Listed for sale$459,400
2023-08-07Sold$448,125

For Sale by Agent

AgentTim Brown
BrokerageHines & Associates Realty LLC

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