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116 Crest St, Mount Holly, NC, 28120

3beds
1baths
1,283sqft
$315,000
$246price/sqft
$2,165/moest. monthly cost
$86,600/yrincome needed

About This Home

Location, location, location! Situated just two blocks from Downtown Mount Holly, you’re just minutes from local restaurants, shops, and the farmer’s market. You're also in close proximity to the interstates, airport, and two hospitals. Set on a large, flat corner lot, this charming 3-bedroom home offers a great mix of space and flexibility. The living room features a gas fireplace, and the sunroom fills with natural light, creating the perfect spot to relax or add extra living space. Original hardwood floors run throughout. A detached two-car garage with workshop space adds even more versatility. This home is being sold as-is with all appliances included. This home has been well cared for and is ready for its next owner to come in and make it their own.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

8/10
4/10
6/10

Construction

Condition

  • Year built: 1954

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Full

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Oven,Gas Range,Refrigerator,Washer/Dryer
  • Laundry features: Mud Room,Laundry Room

Bedrooms & Bathrooms

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

Features

  • Fireplace features: Gas,Living Room
  • Finished area below ground: 0
  • Finished area above ground: 1,283

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,283
  • Total interior livable area: 1,283 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 124235
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Side Porch

Lot

  • Lot size: 0.34 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Inland Flooding
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 $1,592$19,104
Home Insurance *$105$1,260
Property Taxes $268$3,216
Electricity $200$2,405
Total$2,165$25,980
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,228/yr
40% on housing$64,950/yr
45% on housing$57,733/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

$246This listing

vs Other Active Listings

Avg $/sqft

ZIP 28120$173
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28120$199
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
2026-04-27Price change$315,000
2026-03-27Listed for sale$325,000
1994-02-01Sold$75,000

For Sale by Agent

AgentLauren Harris
BrokerageEXP Realty LLC Ballantyne

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