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317 Rosemary Ln, Gastonia, NC, 28054

4beds
3baths
2,578sqft
$317,900
$123price/sqft
$2,282/moest. monthly cost
$91,280/yrincome needed

About This Home

Welcome to an opportunity in the highly desirable Gardner Park neighborhood where one family's memories turn into another family's dream! This quality-built, two-story brick home offers timeless construction, generous living space, and endless potential for the buyer ready to add their own personal style. While cosmetically ready for updating, the home's solid craftsmanship and functional floor plan provide the perfect foundation to create your dream home, all while living in it! The main level features formal living and dining rooms, a warm and inviting den with a beautiful brick floor, a 4th bedroom previously used as a home office with built in shelves, and a full hall bath—ideal for guests or multi-generational living. Upstairs you'll find three additional spacious bedrooms and two full baths, including the primary suite. A double-car garage, established setting, and exceptional location make this home an outstanding value. Priced thousands below tax value, this is a chance to purchase in Gardner Park with plenty of room in the budget to renovate and customize without exceeding neighborhood values for comparable homes. Conveniently located near shopping, dining, schools, and major highways, Gardner Park also offers neighborhood amenities including a community pool, tennis courts, pickleball courts, and volleyball courts (membership required). If you've missed other opportunities in this sought-after neighborhood, don't let this one pass you by!

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
2/10
W P Grier Middle SchoolGrades 6-81.8 mi
3/10
Ashbrook High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Full,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Gas Range,Gas Water Heater
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Features: Attic Other
  • Level: Upper

Bedroom S

  • Features: Attic Other
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Breakfast

  • Level: Main

Den

  • Level: Main

Dining Room

  • Level: Main

Features

  • Attic Other,Built-in Features
  • Door features: Storm Door(s)
  • Window features: Storm Window(s)
  • Flooring: Brick,Carpet,Vinyl,Wood
  • Fireplace features: Den,Living Room
  • Attic: Other
  • Finished area below ground: 0
  • Finished area above ground: 2,578

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,578
  • Total interior livable area: 2,578 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 119632
  • Zoning: RS12
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Side Porch

Lot

  • Lot size: 0.45 Acres
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Faces Front,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

  • 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 $1,607$19,284
Home Insurance *$156$1,872
Property Taxes $279$3,348
Electricity $240$2,881
Total$2,282$27,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,240/yr
40% on housing$68,460/yr
45% on housing$60,853/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

$123This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$317,900
2026-07-29Listed for sale$317,900

For Sale by Agent

AgentJohn R Bolin
BrokerageHoward Hanna Allen Tate Gastonia

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