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426 S Shore Dr, Lexington, NC, 27292

2beds
1baths
851sqft
$198,500
$233price/sqft
$1,346/moest. monthly cost
$53,840/yrincome needed

About This Home

Brick veneer two-bedroom, one-bath home with a view of the lake. The house is on a 100 x 100-foot lot (lots 506 &507), and an additional 50 x 100-foot lot (lot 508) transfers with the property. There's a 12x24 storage building and a 12x12 storage building, both of which are wired with electricity. 12x25 covered porch and an 8x20 deck. Washer and dryer combination, range, and refrigerator remain.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

4/10
8/10
Central Davidson MiddleGrades 6-86.7 mi
3/10
Central Davidson HighGrades 9-126.6 mi

Construction

Condition

  • Year built: 1985

Materials

  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Stick/Site Built,Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Exhaust Fan,Range,Electric Water Heater

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet
  • Attic: Access Only
  • Finished area above ground: 851

Heating & Cooling

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

Interior Area

  • Total structure area: 851
  • Total interior livable area: 851 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 09010C0010506000
  • Zoning: RA2
  • Special condition: Owner Sale

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size dimensions: 100 x 100

Parking

  • Parking features: Driveway
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Davidson 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 $1,003$12,036
Home Insurance *$91$1,092
Property Taxes $52$624
Electricity $200$2,405
Total$1,346$16,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,148/yr
40% on housing$40,380/yr
45% on housing$35,893/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$233This listing

vs Other Active Listings

Avg $/sqft

ZIP 27292$175
Davidson County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 27292$159
Davidson County$172

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
2026-05-07Listed for sale$198,500

For Sale by Agent

AgentBenjamin G Watford
BrokerageWatford Realty Inc.

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