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2818 Rockford Rd Lot Wp003, Shelby, NC, 28152

4beds
2baths
2,545sqft
$679,000
$267price/sqft
$4,347/moest. monthly cost
$173,880/yrincome needed

About This Home

Set on approximately 15A± acres just outside Boiling Springs, NC, 2015 this custom-built home offers a rare blend of quality craftsmanship, privacy, and exceptional land features. The 4-bedroom, 2-bath home welcomes you with warm hardwood floors, granite countertops, beautifully crafted custom cabinetry, and a private primary bedroom suite. Inside, you'll find vaulted ceilings, a striking rock fireplace, and large windows that fill the home with natural light while showcasing the surrounding landscape. The spacious layout flows seamlessly to a large back deck with low-maintenance composite decking, perfectly positioned to overlook a private, expansive backyard that is ideal for relaxing or entertaining. The land itself is truly special, featuring mature timber and a rich history of deer and turkey hunting, making it a haven for outdoor enthusiasts. Flowing through the property is the impressive Grog Creek, with a strong, year-round flow and an old grist mill dam that often creates a stunning waterfall feature. Additional highlights include a two-car garage with a heated and cooled bonus room above that would be perfect for a home office, guest space, or recreation area. The full, walk-out basement offers incredible expansion potential, already plumbed for an additional bathroom and framed with interior studded walls for future bedrooms and a family room. Whether you're looking for a custom-built home on acreage, a unique recreational or hunting property, or a place to grow and customize, this unique property delivers the best of country living with convenient access to nearby amenities, including Gardner Webb University and The Broad River Greenway.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
7/10
Crest High SchoolGrades 9-126.0 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Other

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Interior Area

  • Total structure area: 2,545
  • Total interior livable area: 2,545 sqft

Property

Parking

  • Parking features: Garage
  • Has garage: 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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding

FEMA Declared Disasters in Cleveland 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 $3,433$41,196
Home Insurance *$315$3,780
Property Taxes $362$4,344
Electricity $237$2,844
Total$4,347$52,164
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,040/yr
40% on housing$130,410/yr
45% on housing$115,920/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: 9.0%
9.0%
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

$267This listing

vs Other Active Listings

Avg $/sqft

ZIP 28152$123
Cleveland County$144

vs Homes Sold Last Month

Median $/sqft

ZIP 28152$158
Cleveland County$162

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
2026-05-07Listed for sale$689,000

For Sale by Agent

AgentChip Camp
BrokerageWhitetail Properties

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