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319 Jm Lovelace Rd #111, Ellenboro, NC, 28040

2beds
1baths
1,152sqft
$187,500
$163price/sqft
$1,321/moest. monthly cost
$52,840/yrincome needed

About This Home

Hard-to-find affordable country property with land, 25 x 23 workshop space, and storage space! This well-maintained 2 bedroom, 1 bath doublewide sits on approximately 1.24 usable acres and offers the functionality, and value buyers are searching for. Enjoy peaceful mornings on the comfortable covered front porch while taking in the quiet surroundings. The home features convenient ramp access at both the front and rear entrances for added accessibility and ease of living. Outside, the property truly stands out with a large 25 x 23 detached workshop ideal for mechanics, woodworking, hobbies, small business use, or extra storage. A detached 25 x 20 garage with additional storage room and workspace provides even more flexibility for tools, equipment, or recreational items. Whether you're looking for a starter home, downsizing, investment property, or peaceful country living with room to spread out, this property offers endless potential at an affordable price. Properties with acreage and workshop space are becoming increasingly difficult to find.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
3/10
5/10

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Electric Oven,Refrigerator
  • Laundry features: In Kitchen

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,152

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,152
  • Total interior livable area: 1,152 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Accessibility

  • Accessibility features: Two or More Access Exits,No Interior Steps,Ramp(s)-Main Level

Details

  • Parcel number: 1625821
  • Zoning: none
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch

Lot

  • Lot size: 1.24 Acres
  • Features: Cleared

Parking

  • Total spaces: 1
  • Parking features: Driveway,Detached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Strong Wind
    Strong WindVery High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Rutherford 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 $948$11,376
Home Insurance *$77$924
Property Taxes $96$1,152
Electricity $200$2,405
Total$1,321$15,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,291/yr
40% on housing$39,630/yr
45% on housing$35,226/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 8.5%
8.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 28040$183
Rutherford County$228

vs Homes Sold Last Month

Median $/sqft

ZIP 28040$164
Rutherford County$196

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)

No zestimate history available

Price History

DateEventPrice
2026-06-08Price change$187,500
2026-05-08Listed for sale$195,000

For Sale by Agent

AgentBeth Helton
BrokerageOne Community Real Estate

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