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194 T R Harris Dr, Shelby, NC, 28150

2beds
2baths
1,622sqft
$379,900
$234price/sqft
$2,491/moest. monthly cost
$99,640/yrincome needed

About This Home

New Price. Come look.Exclusive custom built home in Villa's Italia community w/arch shingles, stone, brick veneer & shake siding. Built Dec 2021, this newer home is perfectly maintained & repainted w/new bdrm carpet. Spacious open concept living area boasts a natural gas fireplace w/ceramic tiled mantel, specialty sunburst windows, 9ft tray ceilings & dining area. Kitchen incl stainless steel appliances, touch faucet, granite countertops, lg island, tiled backsplash, drawer microwave, under counter lighting & walk-in-butler's pantry. A separate laundry/mudrm (includes W&D) is adjacent to double garage. The luxurious primary bdrm has a walk-in-closet, ensuite & 9ft trayed ceiling. The 2nd bedroom is bright w/custom windows & nice sized closet w/hall bath nearby. Home is designed with many extras: wide doors & halls, no steps, low thresholds, grab bars, mobility friendly floors, remote deck awning, floor outlets, windows in garage & alarm. Sliding glass doors open onto deck w/gas grill & woods behind.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Crawl Space
  • Roof: Wood
  • Construction materials: Brick Partial,Stone Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Water Heater,Exhaust Fan,Exhaust Hood,Microwave,Plumbed For Ice Maker,Refrigerator,Washer/Dryer
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Closet,Main Level,Sink,Washer Hookup

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Attic Other,Built-in Features,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s),Walk-In Pantry
  • Door features: Pocket Doors,Sliding Doors,Storm Door(s)
  • Window features: Insulated Windows,Window Treatments
  • Flooring: Carpet,Linoleum
  • Fireplace features: Gas,Gas Log,Gas Unvented,Living Room
  • Attic: Other
  • Finished area below ground: 0
  • Finished area above ground: 1,622

Heating & Cooling

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

Interior Area

  • Total structure area: 1,622
  • Total interior livable area: 1,622 sqft

Primary Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Two or More Access Exits,Bath 60 Inch Turning Radius,Bath Grab Bars,Bath Raised Toilet,Door Width 32 Inches or More,Swing In Door(s),Entry Slope less than 1 foot,Accessible Hallway(s),Kitchen 60 Inch Turning Radius,Mobility Friendly Flooring,No Interior Steps,Remote Devices,Thresholds 5/8 Inches,Zero-Grade Entry

Details

  • Parcel number: 64472
  • Zoning: R
  • Special condition: Estate
  • Exclusions: Smart Lock (Front Door),Ring Cameras,Wireless Router,Spectrum Equipment

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Awning(s),Deck
  • Exterior features: Lawn Maintenance
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 0.14 Acres
  • Features: Sloped,Wooded

Parking

  • Total spaces: 4
  • 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
  • Uncovered 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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Hail
Inland Flooding
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 $1,920$23,040
Home Insurance *$169$2,028
Property Taxes $202$2,424
Electricity $200$2,405
Total$2,491$29,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,405/yr
40% on housing$74,730/yr
45% on housing$66,426/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

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 28150$124
Cleveland County$144

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)

No zestimate history available

Price History

DateEventPrice
2026-03-15Price change$399,900
2026-02-17Price change$410,000
2025-09-12Price change$420,000
2025-07-02Listed for sale$425,000

For Sale by Agent

AgentAlison Mintz
BrokerageClay & Associates Real Estate

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