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419 Whispering Hills Dr #157BP, Locust, NC, 28097

4beds
3baths
3,614sqft
$458,900
$127price/sqft
$3,029/moest. monthly cost
$121,160/yrincome needed

About This Home

Proposed Semi-Custom Construction in Locust, NC! The Winslow offers 3,614–3,643 sq. ft. of upgraded living space with 4–5 bedrooms and 2.5–4.5 bathrooms—ideal for today’s modern lifestyles. This flexible floorplan includes a main-level study (or optional 5th bedroom), a spacious great room, formal dining, breakfast nook, designer kitchen, walk-in pantry, and built-in bench. Upstairs features a large game room, convenient laundry, three secondary bedrooms—each with walk-in closets—and a luxurious primary suite with dual vanities, walk-in shower, and oversized closet. Choose from Open, Traditional, or Transitional Lifestyle Series and personalize your layout with a variety of high-end finishes. Located in Whispering Hills—just minutes from downtown Locust, shopping, dining, and medical offices—with easy access to Charlotte, Concord, and surrounding areas. Community features include a future pool (2026), playground, green spaces, and generous homesites with 3-car garage options.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

9/10
Locust Elementary SchoolGrades K-52.4 mi
6/10
5/10
West Stanly High SchoolGrades 9-125.1 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Vinyl

Other

  • Builder model: Winslow 3503 IO
  • Builder name: True Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,Microwave,Plumbed For Ice Maker,Refrigerator,Washer/Dryer
  • Laundry features: Electric Dryer Hookup,Laundry Room,Upper Level,Washer Hookup

Bathroom Full

  • Level: Upper

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

Bonus Room

  • Level: Upper

Dining Room

  • Level: Main

Features

  • Open Floorplan,Pantry,Walk-In Closet(s)
  • Door features: Insulated Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Laminate,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 3,614

Great Room

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 3,614
  • Total interior livable area: 3,614 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Primary Bedroom

  • Level: Upper

Study

  • Level: Main

Property

Details

  • Parcel number: 143607
  • Zoning: SFR
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Front Porch

Lot

  • Lot size: 0.18 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,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

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

How This Home’s Risks Compare

Ice Storm
Cold Wave
Hurricane
Heat Wave
Inland Flooding
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 $2,320$27,840
Home Insurance *$156$1,872
Property Taxes $217$2,604
Electricity $336$4,039
Total$3,029$36,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,851/yr
40% on housing$90,870/yr
45% on housing$80,773/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

$127This listing

vs Other Active Listings

Avg $/sqft

ZIP 28097$177
Stanly County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 28097$177
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
2026-02-17Listed for sale$419,900

New Construction

AgentKaylee Wilson
BrokerageTLS Realty LLC

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