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2309 Hwy 220 N, Ellerbe, NC, 28338

3beds
1baths
2,501sqft
$178,900
$72price/sqft
$1,374/moest. monthly cost
$54,960/yrincome needed

About This Home

This 4-bedroom, 2-bath home is full of character and potential, featuring beautiful hardwood floors, formal living and dining areas, a large covered front porch, an attached 1-car carport, and a detached 2-car garage. Situated on approximately .94 acres, the property offers plenty of space and a wonderful opportunity for someone ready to restore and make it their own. Utilities are not currently connected, and some plumbing and electrical repairs will likely be needed due to prior removal of wiring and plumbing components in the basement. Make your appointment today to view this gorgeous home.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

5/10
4/10
Ellerbe Junior HighGrades 6-80.1 mi
2/10
Richmond Senior High SchoolGrades 10-129.1 mi

Construction

Condition

  • Year built: 1914

Materials

  • Foundation: Crawl Space
  • Roof: Architectural Shingle
  • Construction materials: Wood Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range

Basement

  • Basement: Exterior Entry,Unfinished,Interior Entry

Bedrooms & Bathrooms

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

Features

  • Built-in Features,See Remarks61

Heating & Cooling

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

Interior Area

  • Total structure area: 2,501
  • Total interior livable area: 2,501 sqft

Property

Details

  • Parcel number: 747813139188
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Porch
  • Fencing: None
  • Has view: Yes
  • View description: See Remarks
  • Frontage type: See Remarks
  • Living area range: 2400 - 2599

Lot

  • Lot size: 0.91 Acres
  • Features: See Remarks
  • Lot size dimensions: 193 x 218 x 217 x 183

Parking

  • Total spaces: 3
  • Parking features: Circular Driveway,Covered,Paved,Garage7
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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

  • Hurricane
    HurricaneRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hurricane
Ice Storm
Strong Wind
Tornado
Cold Wave
Drought
Hail
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters in Richmond 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 $904$10,848
Home Insurance *$122$1,464
Property Taxes $116$1,392
Electricity $232$2,795
Total$1,374$16,488
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,108/yr
40% on housing$41,220/yr
45% on housing$36,640/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: 9.9%
9.9%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$72This listing

vs Other Active Listings

Avg $/sqft

ZIP 28338$95
Richmond County$111

vs Homes Sold Last Month

Median $/sqft

ZIP 28338$107
Richmond County$107

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
2026-04-21Listed for sale$178,900

For Sale by Agent

AgentCaroline Thomas Goodwin
BrokerageThomas Realty

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