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

2021 Spruce St, Fayetteville, NC, 28303

5beds
3baths
1,782sqft
$240,000
$135price/sqft
$1,855/moest. monthly cost
$74,200/yrincome needed

About This Home

Sellers offering $1,500 in buyer closing costs! Discover the perfect blend of space, comfort, and convenience in this beautifully maintained 5-bedroom, 2.5-bathroom home just 10 minutes from the heart of Fayetteville. Thoughtfully designed with three bedrooms on the main level, including a spacious primary suite, this versatile floor plan offers flexibility for multi-generational living, guests, or a growing household. The finished basement level provides two additional bedrooms and endless possibilities for recreation, hobbies, or a home office. The kitchen is both stylish and functional, featuring stainless steel appliances, a classic tile backsplash, and ample space for everyday living and entertaining. Elegant crown molding adds character throughout the home, while the inviting front window seat creates the perfect place to relax with a book or enjoy your morning coffee. From the main living spaces, you'll appreciate the peaceful views that make coming home feel even more special. Combining generous living space with an exceptional location close to shopping, dining, and everything Fayetteville has to offer, this home is one you won't want to miss!

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

7/10
6/10
5/10
E E Smith HighGrades 9-121.6 mi

Construction

Condition

  • Year built: 1962

Materials

  • Roof: Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,Ice Maker,Range Hood,Self Cleaning Oven

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Granite Counters
  • Flooring: Carpet,Hardwood,Tile
  • Finished area below ground: 549
  • Finished area above ground: 1,233

Heating & Cooling

  • Heating features: Forced Air,None
  • Cooling features: Central Air,Wall Unit(s)

Interior Area

  • Total structure area: 1,782
  • Total interior livable area: 1,782 sqft

Property

Details

  • Parcel number: 0428247716000
  • Zoning: SF6
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Has view: Yes

Lot

  • Lot size: 10,018 sqft

Parking

  • Total spaces: 2
  • Parking features: Open
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
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 $1,213$14,556
Home Insurance *$211$2,532
Property Taxes $231$2,772
Electricity $200$2,405
Total$1,855$22,260
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,600/yr
40% on housing$55,650/yr
45% on housing$49,466/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

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 28303$123
Cumberland County$124

vs Homes Sold Last Month

Median $/sqft

ZIP 28303$141
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)

No zestimate history available

Price History

DateEventPrice
2026-08-14Pending sale$237,500
2026-08-10Price change$237,500
2026-07-21Listed for sale$240,000
2024-11-19Listing removed--
2024-11-12Listed for sale$250,000
2022-10-06Sold$210,000
2022-09-02Pending sale$210,000
2022-08-24Price change$210,000
2022-07-27Price change$224,500
2022-07-01Listed for sale$230,000
2021-03-12Sold$165,000
2021-01-16Pending sale$184,900
2021-01-16Listed for sale$184,900
2021-01-16Pending sale$184,900
2020-06-24Sold$60,213
2020-05-08Pending sale$53,950
2020-05-07Sold$75,645
2020-05-05Listed for sale$53,950
2014-06-05Listing removed$93,000
2014-02-12Price change$93,000
2014-01-03Listed for sale$119,900
2007-09-05Sold$111,000
AgentAaron Corrigan
BrokerageDASH Carolina

Similar Homes