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114 Phillips St, Fayetteville, NC, 28301

2beds
1baths
885sqft
$172,000
$194price/sqft
$1,461/moest. monthly cost
$58,440/yrincome needed

About This Home

Welcome to 114 Phillips Street in Fayetteville—an adorable little gem that perfectly blends style, comfort, and modern updates. This charming 2-bedroom, 1-bath home offers a cozy yet stylish layout ideal for a first-time buyer, those looking to downsize, or anyone seeking a picture-perfect Airbnb opportunity. The beautifully updated kitchen features stainless steel appliances, quartz countertops, and a porcelain tile backsplash, creating a clean and contemporary space for everyday living or entertaining. Recessed lighting and durable vinyl flooring flow seamlessly throughout the home, enhancing its warm and inviting feel. Unwind in the spa-inspired bathroom complete with a custom-built walk-in shower, or relax by the electric fireplace that adds both ambiance and comfort. Driveway, HVAC system, and a 30-year roof—all completed in 2023, provide additional peace of mind. Move-in ready and full of charm, this home is the perfect blend of modern convenience and cozy appeal—don’t miss your chance to make it yours!

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
6/10
6/10
E E Smith HighGrades 9-120.6 mi

Construction

Condition

  • Year built: 1920

Materials

  • Construction materials: Masonite

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range
  • Laundry features: Washer Hookup,Dryer Hookup,Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Cooling

  • Cooling features: Central Air

Features

  • Ceiling Fan(s),Eat-in Kitchen,Primary Downstairs,Recessed Lighting,Walk-In Shower,Window Treatments
  • Window features: Blinds
  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 885 sqft

Property

Details

  • Parcel number: 0428861809.000
  • Zoning description: MR5 - Mixed Residential
  • Special condition: Standard
  • Exclusions: N/A

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Front Porch,Porch
  • Exterior features: Deck,Porch
  • Living area range: 801-900

Lot

  • Features: < 1/4 Acre

Parking

  • Parking features: No Garage

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hurricane
Heat Wave
Ice Storm
Lightning
Tornado

FEMA Declared Disasters in Cumberland 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 $869$10,428
Home Insurance *$206$2,472
Property Taxes $186$2,232
Electricity $200$2,405
Total$1,461$17,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,091/yr
40% on housing$43,830/yr
45% on housing$38,960/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$194This listing

vs Other Active Listings

Avg $/sqft

ZIP 28301$93
Cumberland County$124

vs Homes Sold Last Month

Median $/sqft

ZIP 28301$122
Cumberland County$148

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
2026-01-06Listed for sale$172,000
2023-12-20Sold$162,000
2023-11-17Pending sale$165,000
2023-11-10Listed for sale$165,000
2023-07-12Sold$55,000
2023-06-20Pending sale$60,000
2023-06-16Listed for sale$60,000
2015-04-21Listing removed$450
2015-04-16Listed for rent$450
2014-09-18Sold$11,000
2014-08-14Listed for sale$12,900
2011-07-22Listing removed$475
2011-06-10Listed for rent$475
2011-02-25Listing removed$475
2010-12-16Listed for sale$475
2008-03-24Sold$10,000
2007-09-13Sold$11,000
2005-06-24Sold$8,000

For Sale by Agent

AgentMAUREEN VARGAS
BrokerageKELLER WILLIAMS REALTY (FAYETTEVILLE)

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