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171 S Harvest Ridge Way, Clayton, NC, 27520

5beds
4baths
3,237sqft
$518,900
$160price/sqft
$3,638/moest. monthly cost
$145,520/yrincome needed

About This Home

$5,000 Use as you Choose Closing Cost Credit!!!!!! Better than new and completely move-in ready in rapidly growing Wilson's Mills! This stunning 5BR/4BA home offers over 3,200 sq ft on one of the community's most desirable homesites featuring peaceful pond views, protected trees, and exceptional privacy — a rare combination in new construction communities. Loaded with upgrades already completed for you, this home offers all the benefits of new construction without the wait, uncertainty, or additional expense. Inside, you'll find luxury vinyl plank flooring throughout the entire home and staircase with absolutely NO carpet, a gourmet gas kitchen, spacious open-concept living areas, and a Rinnai tankless water heater. Additional upgrades include an insulated garage door, fully screened covered porch, and black aluminum fenced backyard. Step outside and enjoy a large, highly usable yard with added separation from neighboring homes along with scenic pond and wooded views that create a private backyard retreat perfect for relaxing or entertaining. All appliances convey, making this home truly turnkey from day one. Residents enjoy outstanding community amenities including a resort-style pool, clubhouse, pickleball courts, dog parks, and open green spaces. This is a rare opportunity to own a fully upgraded, move-in ready home on a premium homesite in one of the area's fastest-growing locations.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

5/10
Wilson's Mills ElementaryGrades PK-51.5 mi
6/10
Smithfield MiddleGrades 6-84.3 mi
3/10
Smithfield-Selma HighGrades 9-124.6 mi

Construction

Condition

  • Year built: 2025

Materials

  • Foundation: Concrete,Slab
  • Roof: Shingle
  • Construction materials: Brick,Concrete,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman, Traditional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Cooktop,Double Oven,Free-Standing Refrigerator,Gas Cooktop,Ice Maker,Oven,Range Hood,Refrigerator,Washer/Dryer

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Breakfast Bar,Kitchen Island,Stone Counters
  • Flooring: Vinyl,Wood
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,237

Heating & Cooling

  • Heating features: None
  • Cooling features: Central Air,Electric,Gas,Heat Pump

Interior Area

  • Total structure area: 3,237
  • Total interior livable area: 3,237 sqft

Property

Details

  • Parcel number: 17j07030j
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Enclosed
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 9,147 sqft
  • Features: Cleared,Wooded

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • 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

  • Winter Weather
    Winter WeatherVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Tornado
Cold Wave
Hail
Heat Wave
Lightning
Strong Wind

FEMA Declared Disasters in Johnston 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 $2,623$31,476
Home Insurance *$224$2,688
Property Taxes $490$5,880
Electricity $301$3,617
Total$3,638$43,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,731/yr
40% on housing$109,140/yr
45% on housing$97,013/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: 8.2%
8.2%
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

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 27520$167
Johnston County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 27520$193
Johnston County$184

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
2026-08-12Price change$512,460
2026-07-30Price change$518,900
2026-07-23Price change$519,900
2026-07-03Price change$529,900
2026-06-26Price change$534,000
2026-06-10Listed for sale$535,000
2025-01-13Sold$473,500

For Sale by Agent

AgentGarrett Hazen
BrokerageRealty One Group Greener Side

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