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21079 Running Creek Dr, Locust, NC, 28097

4beds
3baths
2,850sqft
$459,990
$161price/sqft
$2,964/moest. monthly cost
$118,560/yrincome needed

About This Home

New homes for sale in Locust, NC, at the Running Creek Community! The Red Cedar plan offers two floors of comfortable living space designed with your lifestyle in mind. A secluded bedroom with a stunning bay window and a private full bath is located near the front entrance. Just beyond the foyer, an expansive great room leads to a well-appointed kitchen—boasting a charming dining area with direct access to the patio, a large center island, and a sizable walk-in pantry. You’ll also appreciate a functional valet entry on the main floor. Upstairs, you'll find three additional secondary bedrooms—each with walk-in closets—a full hall bath, a spacious loft, and a convenient laundry room. The lavish owner’s suite showcases a private bath with dual vanities, a benched shower and a generous walk-in closet. A large park, complete with sports fields, tennis courts, a dog park, and more, is nearby.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

9/10
Locust Elementary SchoolGrades K-52.8 mi
6/10
5/10
West Stanly High SchoolGrades 9-122.5 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Brick Partial,Fiber Cement

Other

  • Builder model: Red Cedar C
  • Builder name: Century Communities

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,Electric Water Heater,Microwave,Plumbed For Ice Maker,Self Cleaning Oven
  • Laundry features: Electric Dryer Hookup,Laundry Room,Upper Level

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

Dining Area

  • Level: Main

Features

  • Drop Zone,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s),Walk-In Pantry
  • Door features: French Doors
  • Window features: Insulated Windows
  • Flooring: Carpet,Tile,Vinyl
  • Fireplace features: Family Room
  • Finished area below ground: 0
  • Finished area above ground: 2,850

Flex Space

  • Level: Main

Great Room

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 2,850
  • Total interior livable area: 2,850 sqft

Kitchen

  • Features: Walk-In Pantry
  • Level: Main

Laundry

  • Level: Upper

Loft

  • Level: Upper

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 142739
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Porch
  • Waterfront features: None

Lot

  • Lot size: 0.69 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Door Opener,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 $2,325$27,900
Home Insurance *$156$1,872
Property Taxes $218$2,616
Electricity $265$3,185
Total$2,964$35,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,622/yr
40% on housing$88,920/yr
45% on housing$79,040/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

$161This listing

vs Other Active Listings

Avg $/sqft

ZIP 28097$176
Stanly County$178

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
2026-05-14Price change$519,990
2026-05-12Price change$504,990
2026-05-12Price change$519,990
2026-05-11Price change$543,585
2026-03-28Listed for sale$504,990

New Construction Spec

AgentDebra Mills
BrokerageCCNC Realty Group LLC

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