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38 Charles Point Ln Lot 20, Selma, NC, 27576

3beds
2baths
1,787sqft
$379,900
$213price/sqft
$2,483/moest. monthly cost
$99,320/yrincome needed

About This Home

NEW CONSTRUCTION!!!! This beautiful RANCH w/ BONUS Room Features 3 CAR GARAGE-Kitchen has Custom Cabinets, GRANITE Countertops, Tile Backsplash and STAINLESS Appliances and Eat-At ISLAND Bar-Den has Vaulted ceiling and Fireplace with GAS LOGS-Door leads to SCREENED PORCH and Grilling Deck-Master has WIC and large Bath with Dual sinks and Separate Tub and Shower-BONUS Room can be Office or Play Room-LVP flooring in Living areas and Kitchen. Builder offering $3000 in closing cost using preferred lender and closing attorney!!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
Micro ElementaryGrades PK-51.3 mi
9/10
North Johnston MiddleGrades 6-81.8 mi
3/10
North Johnston HighGrades 9-122.0 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2026

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave
  • Laundry features: Laundry Room,Main Level

Bedrooms & Bathrooms

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

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Eat-in Kitchen,Entrance Foyer,Granite Counters,Kitchen Island,Pantry,Master Downstairs,Separate Shower,Smooth Ceilings,Tray Ceiling(s),Walk-In Closet(s),Walk-In Shower
  • Window features: Insulated Windows
  • Flooring: Carpet,Vinyl
  • Fireplace features: Den,Gas Log
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,787

Heating & Cooling

  • Heating features: Central,Electric,Forced Air
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 1,787
  • Total interior livable area: 1,787 sqft

Property

Details

  • Parcel number: 10O07080R
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Porch,Screened
  • Fencing: None
  • Has view: Yes

Lot

  • Lot size: 0.71 Acres
  • Features: Cleared

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,Garage,Garage Door Opener,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 WeatherRelatively High
  • Drought
    DroughtModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Drought
Strong Wind
Tornado

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 $1,920$23,040
Home Insurance *$161$1,932
Property Taxes $202$2,424
Electricity $200$2,405
Total$2,483$29,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,131/yr
40% on housing$74,490/yr
45% on housing$66,213/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

$213This listing

vs Other Active Listings

Avg $/sqft

ZIP 27576$149
Johnston County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 27576$192
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
2026-01-23Listed for sale$384,900

New Construction

AgentDebbie Howard
BrokerageCarolina Realty

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