See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

4556 Harris Elliot Rd, Lincolnton, NC, 28092

4beds
3baths
1,991sqft
$325,000
$163price/sqft
$2,141/moest. monthly cost
$85,640/yrincome needed

About This Home

The Belhaven is a spacious & modern two-story home built with open concept living in mind. This home offers four bedrooms, two & a half bathrooms & a two-car garage. The moment you step inside you’ll be greeted by an inviting foyer that leads you to the heart of the home. This impressive space features a living room, dining area, & gourmet kitchen. The well-appointed kitchen is complete with modern appliances, large countertops, & pantry. Escape to the primary suite, complete with ample bedroom space, en-suite bathroom with dual vanities, & large walk-in closet. The additional bedrooms provide comfort & privacy for all household members. The laundry room completes the second floor. A flex space is located on the first floor & it can be customized to fit your needs. Additional features include a front porch & outdoor patio, perfect for entertaining or enjoying the weather. With its thoughtful design, spacious layout, and modern conveniences, the Belhaven is the home for you.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
Norris S Childers ElGrades PK-54.1 mi
3/10
Lincolnton MiddleGrades 6-81.0 mi
4/10
Lincolnton HighGrades 9-122.2 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Brick Partial,Stone Veneer,Vinyl

Other

  • Builder model: Belhaven E
  • Builder name: D.R. Horton

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Microwave
  • Laundry features: Electric Dryer 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

Features

  • Fireplace features: Family Room,Gas
  • Finished area below ground: 0
  • Finished area above ground: 1,991

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,991
  • Total interior livable area: 1,991 sqft

Laundry

  • Level: Upper

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: Lot 279
  • Zoning: PRD
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.14 Acres

Parking

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Lincoln 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 $1,643$19,716
Home Insurance *$133$1,596
Property Taxes $165$1,980
Electricity $200$2,405
Total$2,141$25,692
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,405/yr
40% on housing$64,230/yr
45% on housing$57,093/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 8.5%
8.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 28092$168
Lincoln County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28092$183
Lincoln County$204

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
2026-02-20Listed for sale$343,490

New Construction Spec

AgentMaria Wilhelm
BrokerageDR Horton Inc

Similar Homes