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1540 Mack St, Spring Lake, NC, 28390

5beds
3baths
1,810sqft
$200,000
$110price/sqft
$1,577/moest. monthly cost
$63,080/yrincome needed

About This Home

Perfect opportunity to make this your dream home. So much potential and room to grow. Home offers 5 bedrooms, 2.5 baths, living room, formal dining room, eat in kitchen and nice size bedrooms. Large kitchen with tons of counter and cabinet space. Great location centrally located to schools, shopping, dining and so much more. Easy commute to military base, I95 and I295. Convenient to Fayetteville and Raleigh. Large fenced in yard with storage. Single carport as well.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

6/10
Manchester ElementaryGrades K-51.6 mi
6/10
Spring Lake MiddleGrades 6-81.8 mi
6/10
Pine Forest HighGrades 9-126.1 mi

Construction

Condition

  • Property condition: Good Condition
  • Year built: 1972

Materials

  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Separate/Formal Dining Room,Eat-in Kitchen,Primary Downstairs,Storage
  • Flooring: Hardwood,Laminate,Tile
  • Fireplace features: None

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,810 sqft

Property

Details

  • Parcel number: 0502339367.000
  • Zoning description: R10 - Residential District
  • Special condition: Standard
  • Exclusions: None

Features

  • Levels: Multi/Split
  • Patio & porch: Front Porch,Porch
  • Exterior features: Fence,Porch
  • Fencing: Back Yard
  • Living area range: 1801-1900

Lot

  • Features: 1/4 to 1/2 Acre Lot

Parking

  • Total spaces: 1
  • Parking features: Attached Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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 $1,011$12,132
Home Insurance *$120$1,440
Property Taxes $246$2,952
Electricity $200$2,405
Total$1,577$18,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,068/yr
40% on housing$47,310/yr
45% on housing$42,053/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

$110This listing

vs Other Active Listings

Avg $/sqft

ZIP 28390$140
Cumberland County$124

vs Homes Sold Last Month

Median $/sqft

ZIP 28390$148
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
2026-03-17Price change$200,000
2026-02-06Price change$220,000
2026-01-09Listed for sale$225,000
2026-01-01Listing removed$229,000
2025-11-01Price change$229,000
2025-10-27Price change$235,000
2025-09-17Listed for sale$249,900
2021-10-02Listing removed--
2021-09-21Listed for rent$1,395
2012-07-27Sold$60,000
2012-05-10Price change$60,000
2012-01-07Listed for sale$85,000
2011-11-01Listing removed$90,000
2011-02-25Listed for sale$90,000

For Sale by Agent

AgentAMY REYNOLDS
BrokerageACE REAL ESTATE

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