See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

176-174 Oak Hollow Rd, Union Grove, NC, 28689

4beds
4baths
2,124sqft
$515,000
$242price/sqft
$3,147/moest. monthly cost
$125,880/yrincome needed

About This Home

UNION GROVE NC: 3.7 ACRES, 2 HOMES, CREEK, BARN, FENCED PASTURE, MULTIPLE OUTBUILDINGS!! This 3.7-acre property offers TWO homes on one parcel, making it an ideal setup for multi-generational living. The land features a large stream running along one side of the property where the owners have enjoyed relaxing by the fire pit, backyard BBQs, and making lasting memories by the creek. Additional features include a spacious barn, fenced pastures, multiple outbuildings/sheds and beautiful sunrise and sunset views. The two homes are fully separate dwellings with independent living spaces and are currently used as a parent home and a second residence for family members. The original home is older but was extensively updated approximately 20 years ago, with additional improvements made over time. It features 2 bedrooms and 1.5 bathrooms, granite countertops, updated windows and doors, a metal roof, vinyl siding, an updated kitchen and bathroom, wood floors, renovated covered front and back porches, and a nice laundry room area. The second home was originally an outbuilding that was converted into a residence approximately 15 years ago. It was fully gutted and renovated, including a significant rear addition. This home features stainless steel appliances, tons of natural light from numerous windows, a beautiful kitchen with hickory-colored cabinets, and abundant counter space. A large great room overlooks the front yard and pastures, creating a bright and open living space. It also includes a nice laundry room area. This home has its own septic system & HVAC; however, improvements and the addition were completed without permits, and there are no permits on file for the second dwelling or septic system. The square footage of this home has been included in the second living quarters total. Both homes share a brand-new well installed in May 2026 and a single/ shared Energy United power meter. Each residence also has its own septic system, separate entrances, full kitchens, and full bathrooms. Each home includes a double carport, with a shared driveway entrance that splits into separate driveways leading to each home. The barn is well-suited for animals, and the fenced pasture provides easy access to the creek for livestock watering. There is lots of wildlife seen often including a wide variety of birds! The property is enhanced by expansive views, mature landscaping, and vibrant flowers throughout the yard. If you are looking for an affordable multi-generational living option or a family compound, this unique property may be the perfect fit. Second level on the main home has ceiling height less than 7ft (356 sq ft not counted in heated sq ft due to this but is fully finished and used as a BR). ~SHOWINGS BY APPOINTMENT ONLY.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

6/10
3/10
6/10
North Iredell High SchoolGrades 9-1210.1 mi

Construction

Condition

  • Year built: 1931

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Vinyl,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator
  • Laundry features: Laundry Room

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: 2nd Living Quarters

Bathroom Full

  • Level: 2nd Living Quarters

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: 2nd Living Quarters

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Total Primary Heated Living Area: 1031
  • Door features: Storm Door(s)
  • Finished area below ground: 0
  • Finished area above ground: 1,031

Great Room

  • Level: 2nd Living Quarters

Heating & Cooling

  • Heating features: Electric,Heat Pump,Other
  • Cooling features: Electric,Heat Pump

Interior Area

  • Total structure area: 1,031
  • Total interior livable area: 2,124 sqft

Kitchen

  • Level: Main

Kitchen

  • Level: 2nd Living Quarters

Laundry

  • Level: Main

Laundry

  • Level: 2nd Living Quarters

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Primary Bedroom

  • Level: 2nd Living Quarters

Property

Details

  • Parcel number: 4803969746.000
  • Zoning: RA
  • Special condition: Standard
  • Exclusions: All Wall Art and things on walls not staying
  • Horse amenities: Barn,Pasture

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Rear Porch
  • Exterior features: Fire Pit,Other - See Remarks
  • Fencing: Fenced,Partial
  • On waterfront: Yes
  • Waterfront features: None,Creek,Creek/Stream

Lot

  • Lot size: 3.70 Acres
  • Features: Pasture,Other - See Remarks
  • Lot size dimensions: NO RECENT SURVEY~Buyer to get survey if they want.

Parking

  • Total spaces: 4
  • Parking features: Attached Carport
  • Covered spaces: 4
  • Carport: Yes
  • Carport spaces: 4

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
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Iredell 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 $2,604$31,248
Home Insurance *$95$1,140
Property Taxes $248$2,976
Electricity $200$2,405
Total$3,147$37,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,897/yr
40% on housing$94,410/yr
45% on housing$83,920/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: 15.7%
15.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$242This listing

vs Other Active Listings

Avg $/sqft

ZIP 28689$1,132
Iredell County$213

vs Homes Sold Last Month

Median $/sqft

ZIP 28689$389
Iredell County$191

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
2026-07-14Price change$515,000
2026-05-19Listed for sale$525,000

For Sale by Agent

AgentMarissa Cooper Winstead
BrokerageCooper Southern Properties

Similar Homes