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778 Harris Ave NW, Valdese, NC, 28690

4beds
3baths
1,802sqft
$430,000
$239price/sqft
$2,984/moest. monthly cost
$119,360/yrincome needed

About This Home

Stunning New Construction with High-End Finishes in a Peaceful Setting in beautiful Valdese! Experience the perfect blend of modern style and everyday comfort in this beautifully crafted new construction home featuring 4 bedrooms and 2.5 bathrooms. Designed with an open-concept floor plan, the main level showcases luxury LVP hardwood flooring throughout and upscale finishes that create a bright, welcoming atmosphere along with 9ft ceilings throughout the main floor. The spacious primary suite is conveniently located on the main level and offers a private retreat complete with a luxurious en-suite bath featuring a quartz dual vanity, custom tiled walk-in shower, and a generous walk-in closet with a professionally installed closet system. A convenient half bath is also located on the main level for guests. Upstairs, you’ll find three additional bedrooms and a full bath with a dual vanity and custom tiled shower, providing plenty of space for family, guests, or a home office. Outside, enjoy the benefits of durable, low-maintenance Hardie board siding and a relatively flat yard that’s easy to care for. Nestled in a quiet, small subdivision, this home offers a peaceful setting while remaining just minutes from the charming town of Valdese, local schools, shopping, and dining. With quality craftsmanship, thoughtful design, and premium finishes throughout, this move-in-ready home is one you won’t want to miss!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

5/10
Valdese ElementaryGrades PK-50.7 mi
5/10
Heritage MiddleGrades 6-80.4 mi
8/10

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Hardboard Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Exhaust Fan,Microwave,Refrigerator
  • Laundry features: Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

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
  • Main level bedrooms: 1

Dining Area

  • Level: Main

Features

  • Breakfast Bar,Open Floorplan,Walk-In Closet(s)
  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,802

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,802
  • Total interior livable area: 1,802 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 2733691880
  • Zoning: R-12
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.51 Acres
  • Features: Cleared

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage Faces Front,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

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

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Burke 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 $2,174$26,088
Home Insurance *$233$2,796
Property Taxes $377$4,524
Electricity $200$2,405
Total$2,984$35,808
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,308/yr
40% on housing$89,520/yr
45% on housing$79,573/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.1%
2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 28690$179
Burke County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 28690$189
Burke County$195

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
2026-07-20Price change$430,000
2026-06-30Listed for sale$440,000
2025-08-28Sold$25,000

New Construction

AgentChristie Leonard
BrokerageWNC Real Estate at Lake James

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