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287 Education Dr, Spring Lake, NC, 28390

5beds
4baths
3,201sqft
$589,000
$184price/sqft
$3,964/moest. monthly cost
$158,560/yrincome needed

About This Home

$20,000 USE AS YOU CHOOSE ALLOWANCE!!! Welcome to The Cadogan by Ascot Homes, a thoughtfully designed floor plan that blends open-concept living with smart functionality—ideal for everyday comfort and effortless entertaining. From the moment you enter, you're welcomed by a bright foyer and a versatile flex space or office, setting the tone for this home's intentional layout. The heart of the home features a spacious living room that flows seamlessly into the dining area and modern kitchen—perfect for hosting gatherings or enjoying quiet family nights. The kitchen is complete with ample counter space, abundant cabinetry, and a large walk-in pantry, providing both form and function. Additional main floor highlights include a half bathroom, coat closet, and a convenient drop zone located off the garage entry. A first-floor laundry room enhances the convenience of daily living. At the rear of the home, the first-floor owner’s suite offers a private and peaceful retreat, making it ideal for those who value separation from the upstairs bedrooms or prefer main-level living. The suite features a walk-in shower, dual vanities, a linen closet, and thoughtful design touches throughout. With well-placed windows allowing for abundant natural light, every room feels bright, warm, and welcoming—perfectly reflecting the signature comfort and style of Ascot Homes. Upstairs, the versatility continues with a spacious loft area, four additional bedrooms, and two full bathrooms, providing ample space for everyone to have their own haven. Whether you're expanding your household or just looking for a home that adapts to your lifestyle, The Cadogan offers the space, comfort, and flexibility you've been searching for.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

6/10
Overhills ElementaryGrades PK-52.4 mi
7/10
Western Harnett MiddleGrades 6-84.0 mi
3/10
Overhills High SchoolGrades 9-122.4 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Construction materials: Fiber Cement

Other

  • Builder name: Ascot

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Microwave
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Double Vanity,Entrance Foyer,Kitchen Island,Primary Downstairs,Pantry,Separate Shower,Walk-In Closet(s),Walk-In Shower
  • Flooring: Carpet,Luxury Vinyl Plank,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 3,201 sqft

Property

Details

  • Parcel number: 0505765745.000
  • Zoning description: PND - Planned Neighborhood
  • Special condition: Standard
  • Exclusions: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Rear Porch,Covered,Front Porch,Porch
  • Exterior features: Playground,Porch,Tennis Court(s)
  • Living area range: 3001-3500

Lot

  • Lot size: 10,454 sqft
  • Features: < 1/4 Acre

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side
  • 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

  • Tornado
    TornadoVery High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Tornado
Hurricane
Heat Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Cold Wave
Hail
Ice Storm

FEMA Declared Disasters in Harnett 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 $2,978$35,736
Home Insurance *$355$4,260
Property Taxes $333$3,996
Electricity $298$3,577
Total$3,964$47,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,908/yr
40% on housing$118,920/yr
45% on housing$105,706/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$184This listing

vs Other Active Listings

Avg $/sqft

ZIP 28390$138
Harnett County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 28390$148
Harnett County$163

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
2025-09-12Listed for sale$589,000

New Construction Spec

AgentTEAM ACC POWERED BY AC REALTY
BrokerageAC REALTY

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