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123 W Main St, Youngsville, NC, 27596

2beds
1baths
1,008sqft
$220,000
$218price/sqft
$1,508/moest. monthly cost
$60,320/yrincome needed

About This Home

This home is over 100 yrs old. Has been sitting a long time. The location is great! Renovations were started. Commercial/Residential

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

8/10
Youngsville ElementaryGrades PK-52.8 mi
5/10
Cedar Creek MiddleGrades 6-83.2 mi
6/10
Franklinton HighGrades 9-125.3 mi

Construction

Condition

  • Year built: 1901

Materials

  • Foundation: Crawl/Raised
  • Construction materials: Other

Type & Style

  • Home type: Unknown

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Fireplace: Yes

Heating

  • Heating features: Other

Interior Area

  • Total interior livable area: 1,008 sqft

Property

Details

  • Parcel number: 005022

Features

  • Exterior features: Other

Lot

  • Lot size: 10,500 sqft

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 WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Franklin 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 $1,112$13,344
Home Insurance *$79$948
Property Taxes $117$1,404
Electricity $200$2,405
Total$1,508$18,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$51,702/yr
40% on housing$45,240/yr
45% on housing$40,213/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$218This listing

vs Other Active Listings

Avg $/sqft

ZIP 27596$217
Franklin County$180

vs Homes Sold Last Month

Median $/sqft

ZIP 27596$197
Franklin County$208

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
2026-08-13Price change$199,900
2026-08-03Price change$220,000
2026-07-06Price change$225,000
2026-07-03Listed for sale$275,000

For Sale by Owner

AgentProperty Owner

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