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322 Willow St, Gastonia, NC, 28054

3beds
1baths
1,029sqft
$195,000
$190price/sqft
$1,459/moest. monthly cost
$58,360/yrincome needed

About This Home

Priced to Sell and ready for it's new owner, this charming 3 bedroom, 1 full bath RANCH home has been completely updated Walking in you are greeted with a covered front porch that leads into your solid hardwood covered living room, Fresh paint and updated light fixtures abound as you view the THREE full bedrooms and one bath. In the back of the house is an updated kitchen complete with new appliances. Beyond the kitchen is your IN UNIT laundry room with additional room for a utility closet/mud room. The 0.19 acre backyard is the perfect amount of space and is adorned with mature trees. Perfect for a primary residence OR investment property, this location is in the heart of everything downtown Gastonia has to offer! You don't want to miss this one! Buyer agents warmly welcomed!

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

2/10
2/10
W P Grier Middle SchoolGrades 6-81.3 mi
3/10
Ashbrook High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Crawl Space
  • Roof: Composition
  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator
  • Laundry features: In Unit

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 3

Dining Area

  • Level: Main

Family Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,029

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,029
  • Total interior livable area: 1,029 sqft

Kitchen

  • Level: Main

Kitchen

  • Level: Main

Other

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 109273
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch

Lot

  • Lot size: 0.19 Acres

Parking

  • Parking features: On Street,Shared 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

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Gaston 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 $986$11,832
Home Insurance *$96$1,152
Property Taxes $177$2,124
Electricity $200$2,405
Total$1,459$17,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,022/yr
40% on housing$43,770/yr
45% on housing$38,906/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: 16.2%
16.2%
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

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 28054$126
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28054$171
Gaston County$187

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
2026-06-25Listed for sale$195,000
2025-11-26Listing removed$1,450
2025-11-05Price change$1,450
2025-11-04Price change$1,400
2025-10-21Listing removed$214,900
2025-09-27Listed for rent$1,450
2025-08-12Price change$214,900
2025-07-18Listed for sale$229,000
2025-07-17Listing removed$1,425
2025-05-09Listed for rent$1,425
2021-02-24Listing removed--
2020-10-05Listing removed$1,275
2020-09-30Listed for rent$1,275
2020-08-11Sold$61,200
2020-07-06Pending sale$69,900
2020-07-03Price change$69,900
2020-06-29Price change$75,000
2020-06-22Price change$85,000
2020-06-17Listed for sale$89,000
2001-08-24Sold$56,500

For Sale by Agent

AgentLauren Fox
BrokerageHoward Hanna Allen Tate Charlotte South

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