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1020 Bracken Hill Rd, Indian Trail, NC, 28079

3beds
3baths
2,007sqft
$349,485
$174price/sqft
$2,243/moest. monthly cost
$89,720/yrincome needed

About This Home

Experience the elegance of our new luxury townhomes nestled in one of Union County’s most sought-after communities, offering resort-style amenities such as a clubhouse, swimming pool, walking trails, playground, and sports courts. Discover the latest phase of Moore Farm Townhomes with our Overture model. It’s a stunning open floor plan — typically reserved for single-family homes — featuring a bright, expansive main living area and a gourmet kitchen with quartz countertops, cabinetry with crown molding, a walk-in pantry, plus a spacious 8-foot island. This home is an end unit townhome, offering additional natural light and extra privacy. Relish in the rural charm and easy living — all while remaining just minutes from shopping, dining, medical facilities, major freeways, HOA-included lawn care, and the lowest taxes in Union County. Your dream lifestyle awaits at Moore Farm Townhomes. This home is proposed, and the estimated completion is November 2026. Don’t miss our exclusive offerings —schedule your private tour today or contact us for more information!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

6/10
3/10
Sun Valley Middle SchoolGrades 6-81.5 mi
5/10
Sun Valley High SchoolGrades 9-121.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Hardboard Siding,Shingle/Shake,Stone Veneer

Other

  • Builder model: Overture
  • Builder name: Ryan Homes

Type & Style

  • Home type: Townhouse
  • Architectural style: Cottage
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Water Heater,Microwave,Refrigerator,Self Cleaning Oven
  • Laundry features: Electric Dryer Hookup,Inside,Washer Hookup

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Kitchen Island,Open Floorplan,Pantry,Storage,Walk-In Closet(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Tile,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 2,007

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Zoned
  • Cooling features: Central Air,Electric,Zoned

Interior Area

  • Total structure area: 2,007
  • Total interior livable area: 2,007 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Recreation Room

  • Level: Lower

Property

Details

  • Parcel number: 07121416
  • Zoning: R3
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: Lower
  • Patio & porch: Deck
  • Exterior features: Lawn Maintenance

Lot

  • Lot size: 0.07 Acres
  • Features: End Unit

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front
  • 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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Union 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 $1,767$21,204
Home Insurance *$110$1,320
Property Taxes $166$1,992
Electricity $200$2,405
Total$2,243$26,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,902/yr
40% on housing$67,290/yr
45% on housing$59,813/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 28079$219
Union County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28079$209
Union County$205

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
2026-05-01Price change$349,485
2026-03-21Listed for sale$366,985

New Construction

AgentJerry Smith
BrokerageSmith Capital Partners LLC

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