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3181 & 3177 Morganton Blvd SW, Lenoir, NC, 28645

5beds
2baths
2,134sqft
$329,900
$155price/sqft
$2,173/moest. monthly cost
$86,920/yrincome needed

About This Home

Attention: Mechanics dream property or extended family needing inlaw living quarters: 3 bedroom 1 bath house with 2 car detached garage & 2 br 1 bath apartment on top with rear deck. 2 septic tanks with tank to house being 4 years old. 1 garage has interior steps leading to apartment upstairs. Garages are separated with an interior cinderblock wall. There is a freestanding wood stove in one garage. This is zoned single family thru town of Gamewell with grandfathered legal nonconforming use of detached garage & apartment to have separate living quarters to be used as rental. Zoned RA-20 in town of Gamewell contact for allowance details. Some new luxury vinyl plank flooring. Updated kitchen & bath in house. House has partial basement area. Updated central a/c to apartment. Large unfinished storage room above garage. Roof & heat pump on house only 4 years old. Convenient to Gamewell, Lenoir & Morganton. House has aluminum siding. Some hardwood floors under carpet in house. Detached garage & apartment was built in 1978 per tax card. Apartment has hardboard siding.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

2/10
Gamewell ElementaryGrades PK-51.3 mi
5/10
Gamewell MiddleGrades 6-81.4 mi
2/10
West Caldwell HighGrades 9-122.5 mi

Construction

Condition

  • Year built: 1953

Materials

  • Foundation: Crawl Space,Slab
  • Construction materials: Aluminum,Block,Hardboard Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator
  • Laundry features: Electric Dryer Hookup,Mud Room,Washer Hookup

Basement

  • Basement: Partial,Unfinished

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Features

  • Total Primary Heated Living Area: 1144
  • Flooring: Carpet,Vinyl,Wood
  • Fireplace features: Living Room,Wood Burning Stove
  • Finished area below ground: 0
  • Finished area above ground: 1,144

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,144
  • Total interior livable area: 2,134 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Upper

Property

Details

  • Parcel number: 0624814
  • Zoning: RA-20
  • Special condition: Standard

Features

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

Lot

  • Lot size: 0.52 Acres
  • Features: Cleared,Level

Parking

  • Total spaces: 2
  • Parking features: Driveway,Detached 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

  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind

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 $1,668$20,016
Home Insurance *$138$1,656
Property Taxes $167$2,004
Electricity $200$2,405
Total$2,173$26,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,502/yr
40% on housing$65,190/yr
45% on housing$57,946/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

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 28645$170
Caldwell County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 28645$161
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
2026-08-07Price change$309,900
2026-07-27Listed for sale$329,900

For Sale by Agent

AgentTonya Collier
BrokerageNC Homes Direct

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