3209 Stump Lake Dr, Monroe, NC, 28110
About This Home
Welcome to 3209 Stump Lake Drive! Tucked away on a quiet cul-de-sac in a charming one-street neighborhood, this 3-bedroom, 2.5-bath home offers the perfect blend of privacy, space, and convenience. Situated on approximately 1.18 acres with a beautifully wooded front lot, the setting feels peaceful and secluded while still being just minutes from everything. Inside, you’ll find a versatile flex space ideal for a home office, playroom, or additional living area. The home is thoughtfully designed for both everyday living and entertaining, with a welcoming layout that flows seamlessly to the outdoor spaces. Step out onto the spacious deck and take in the serene pond views, an ideal spot for morning coffee or unwinding at the end of the day. With no HOA restrictions, you’ll enjoy the freedom to truly make this property your own. Conveniently located near the Monroe Bypass, commuting is a breeze while still enjoying the quiet, tucked-away feel of this hidden gem. If you’re looking for space, flexibility and a property with room to grow, this one is worth a closer look. Reach out today with questions or to schedule your private showing.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2002
Materials
- Foundation: Crawl Space
- Construction materials: Brick Partial,Vinyl
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Electric Range,Filtration System,Microwave,Refrigerator,Water Softener
- Laundry features: In Kitchen,Laundry Closet
Bathroom Full
- Level: Upper
Bathroom Full
- Level: Upper
Bathroom Half
- Level: Main
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Breakfast
- Level: Main
Dining Room
- Level: Main
Features
- Attic Other,Soaking Tub,Pantry
- Flooring: Carpet,Laminate
- Fireplace features: Living Room
- Attic: Other
- Finished area below ground: 0
- Finished area above ground: 1,821
Flex Space
- Level: Upper
Great Room
- Level: Main
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 1,821
- Total interior livable area: 1,821 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Primary Bedroom
- Level: Upper
Property
Details
- Parcel number: 09177036
- Zoning: AF8
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck
- Exterior features: Fire Pit
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
Lot
- Lot size: 1.18 Acres
- Features: Cul-De-Sac,Views
Parking
- Total spaces: 2
- Parking features: Driveway,Attached Garage,Garage Faces Side,Garage on Main Level
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- 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
- Tornado
- Ice Storm
- Lightning
- Strong Wind
- Cold Wave
- Earthquake
- Hail
- Heat Wave
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Union County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,527 | $30,324 |
| Home Insurance * | $164 | $1,968 |
| Property Taxes | $177 | $2,124 |
| Electricity | $200 | $2,405 |
| Total | $3,068 | $36,816 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-11 | Price change | $489,900 |
| 2026-04-10 | Listed for sale | $499,900 |
| 2024-07-02 | Sold | $449,000 |
| 2024-03-14 | Listed for sale | $459,900 |
| 2024-03-07 | Listing removed | $464,900 |
| 2024-02-13 | Price change | $464,900 |
| 2024-01-29 | Price change | $474,900 |
| 2023-11-02 | Price change | $485,000 |
| 2023-10-04 | Price change | $499,000 |
| 2023-09-22 | Listed for sale | $515,000 |
| 2018-11-16 | Sold | $250,000 |
| 2002-12-13 | Sold | $181,500 |
| 2002-07-25 | Sold | $21,000 |
View on Zillow