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445 Fire Opal Ln, Holly Springs, NC, 27540

5beds
4baths
3,163sqft
$754,895
$239price/sqft
$4,742/moest. monthly cost
$189,680/yrincome needed

About This Home

This new two-story home design combines comfort and style. The first floor showcases an open-plan layout among a Great Room for shared moments, a formal dining room for memorable meals and a kitchen for inspired cooks. A front and rear porch enhances outdoor enjoyment, while a bedroom off the foyer is well-suited to hosting guests. Upstairs is a central loft surrounded by four bedrooms including a spacious owner's suite with a luxe bathroom and large walk-in closet are restful retreats.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

8/10
Holly Grove ElementaryGrades PK-51.1 mi
10/10
6/10
Fuquay-Varina HighGrades 9-124.5 mi

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Other

  • Builder name: Lennar

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Interior Area

  • Total interior livable area: 3,163 sqft

Property

Features

  • Levels: 2.0
  • Stories: 2

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2

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

  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Cold Wave
Heat Wave
Ice Storm
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Wake 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 $3,817$45,804
Home Insurance *$197$2,364
Property Taxes $434$5,208
Electricity $294$3,535
Total$4,742$56,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$162,582/yr
40% on housing$142,260/yr
45% on housing$126,453/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: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.6%
4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 27540$231
Wake County$220

vs Homes Sold Last Month

Median $/sqft

ZIP 27540$232
Wake County$224

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
2026-04-12Listed for sale$754,895

New Construction Spec

BrokerageLennar

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