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218 Vernon St, Cherryville, NC, 28021

3beds
2baths
1,075sqft
$245,000
$228price/sqft
$1,765/moest. monthly cost
$70,600/yrincome needed

About This Home

Price Improvement!!! Adorable and freshly updated, this charming 3 bedroom, 2 bath home is move-in ready and waiting for its next owner! Recent improvements include new deck boards and freshly painted interior walls and trim, creating a bright and inviting atmosphere throughout. Lovingly maintained, with a heating unit new in 2022, the home sits on just under a half acre lot in the quaint town of Cherryville, offering the perfect blend of small town charm and convenient access to Charlotte. Relax on the spacious back deck, unwind in a hammock, and take in the tranquil views of the creek that meanders along the rear of the property. Enjoy the peaceful country style living while still being within reach of shopping, dining, and major commuting routes. Whether you're looking for your first home, downsizing, or simply seeking a quieter pace of life, this property offers comfort, charm, and a beautiful natural setting.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

7/10
8/10

Construction

Condition

  • Year built: 1996

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher
  • Laundry features: Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Dining Area

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,075

Heating & Cooling

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

Interior Area

  • Total structure area: 1,075
  • Total interior livable area: 1,075 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 158780
  • Zoning: R-1
  • Special condition: Standard
  • Exclusions: Deep Freezer/Washer/Dryer/Refrigerator

Features

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

Lot

  • Lot size: 0.45 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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 StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind

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 $1,238$14,856
Home Insurance *$111$1,332
Property Taxes $216$2,592
Electricity $200$2,405
Total$1,765$21,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,514/yr
40% on housing$52,950/yr
45% on housing$47,066/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

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 28021$142
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28021$175
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
2026-08-14Price change$239,900
2026-06-24Listed for sale$245,000
2019-09-23Sold$120,000
2010-09-09Sold$102,000
2010-07-21Pending sale$104,900
2010-04-17Listed for sale$104,900
2007-04-27Sold$90,000

For Sale by Agent

AgentAddie Carson
BrokerageHoward Hanna Allen Tate Lake Norman

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