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5976 Gold Creek Estate Dr, Hickory, NC, 28601

4beds
3baths
2,139sqft
$405,000
$189price/sqft
$2,598/moest. monthly cost
$103,920/yrincome needed

About This Home

Located in a desirable neighborhood, this charming four-bedroom, two and a half-bathroom home offers a perfect blend of comfort and style. The spacious living room features windows that flood the space with natural light, complemented by a cozy fireplace. A modern kitchen ideal for both cooking and entertaining. The master suite boasts a walk-in closet and bathroom. Outside, a landscaped backyard provides a peaceful retreat with a patio area, perfect for gatherings or relaxing evenings. The property also includes a two-car garage and ample storage throughout. Truly a move-in ready home that combines contemporary elegance with practical functionality.

Getting Around

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

Schools

5/10
Granite Falls ElementaryGrades PK-54.2 mi
7/10
Granite Falls MiddleGrades 6-84.2 mi
5/10
South Caldwell HighGrades PK,9-125.5 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Crawl Space
  • Construction materials: Block,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Electric Water Heater
  • Laundry features: Common Area

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Breakfast Bar,Walk-In Closet(s)
  • Flooring: Carpet,Laminate,Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 2,139

Heating & Cooling

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

Interior Area

  • Total structure area: 2,139
  • Total interior livable area: 2,139 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 08130A 1 60
  • Zoning: R-20
  • Special condition: Third Party Approval

Features

  • Levels: Two
  • Stories: 2
  • Waterfront features: Covered structure,Boat Slip – Community,Paddlesport Launch Site - Community,Pier - Community

Lot

  • Lot size: 0.39 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Caldwell 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 $2,047$24,564
Home Insurance *$146$1,752
Property Taxes $205$2,460
Electricity $200$2,405
Total$2,598$31,176
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,074/yr
40% on housing$77,940/yr
45% on housing$69,280/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: 12.6%
12.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 28601$170
Caldwell County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 28601$183
Caldwell County$173

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
2026-07-23Price change$405,000
2026-07-01Listed for sale$425,000

For Sale by Agent

AgentRip Robbins
BrokerageNestlewood Realty, LLC

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