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145 Swinford Dr #84, Salisbury, NC, 28146

4beds
2baths
1,902sqft
$340,400
$179price/sqft
$2,242/moest. monthly cost
$89,680/yrincome needed

About This Home

The popular 1902 floor plan by Adams Homes offers the perfect blend of style, comfort, and functionality in a thoughtfully designed single-story layout. A welcoming foyer opens into a spacious open-concept living area, where the kitchen, dining, and family room flow seamlessly together—ideal for both everyday living and entertaining. The well-appointed kitchen features stainless steel appliances, abundant cabinetry, generous counter space, and a center island perfect for meal prep, casual dining, or gathering with family and friends. The adjoining living area provides plenty of space to relax and enjoy time together. Dining room has a nook package, shadow boxings, and chair rail with crown. There is a 6' covered patio extension. The private owner's suite serves as a peaceful retreat with a spacious bedroom, a walk-in closet, and an ensuite bath complete with dual vanities, a 5' shower with ceramic walls. Three additional bedrooms are situated toward the front of the home, offering flexibility for family, guests, a home office, or a hobby room. A two-car garage provides convenient parking and additional storage space. Throughout the home, the quality craftsmanship is evident in the thoughtfully selected finishes, attention to detail, and functional design, making this home an exceptional choice for today's lifestyle.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

2/10
2/10
North Rowan High SchoolGrades 9-122.5 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Stone Veneer,Vinyl

Other

  • Builder model: 1902-B
  • Builder name: Adams Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,Electric Water Heater,Microwave
  • Laundry features: Electric Dryer Hookup,Mud Room,Utility Room,Main Level,Washer Hookup

Bedroom S

  • Level: Main
  • Area: 121
  • Dimensions: 11' 0" X 11' 0"

Bedroom S

  • Level: Main
  • Area: 186
  • Dimensions: 15' 6" X 12' 0"

Bedroom S

  • Level: Main
  • Area: 141.625
  • Dimensions: 11' 4" X 12' 6"

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 4

Breakfast

  • Level: Main
  • Area: 98.2311
  • Dimensions: 11' 4" X 8' 8"

Family Room

  • Level: Main
  • Area: 356.5
  • Dimensions: 15' 6" X 23' 0"

Features

  • Flooring: Carpet,Laminate,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,902

Heating & Cooling

  • Heating features: Electric,Hot Water
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,902
  • Total interior livable area: 1,902 sqft

Kitchen

  • Features: Breakfast Bar
  • Level: Main
  • Area: 158.62
  • Dimensions: 11' 4" X 14' 0"

Primary Bedroom

  • Features: Ceiling Fan(s),Coffered Ceiling(s),Garden Tub,Walk-In Closet(s)
  • Level: Main
  • Area: 210.3311
  • Dimensions: 18' 10" X 11' 2"

Property

Details

  • Parcel number: 057C084
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Covered,Front Porch,Patio

Lot

  • Lot size: 0.21 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

  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Rowan 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 $1,721$20,652
Home Insurance *$131$1,572
Property Taxes $190$2,280
Electricity $200$2,405
Total$2,242$26,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,868/yr
40% on housing$67,260/yr
45% on housing$59,786/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: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 6.8%
6.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 28146$182
Rowan County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28146$194
Rowan County$178

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
2026-07-03Listed for sale$340,400

New Construction

AgentFelicia Bellamy
BrokerageAdams Homes Realty-NC, Inc.

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