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214 Lockhard Cir, Troutman, NC, 28166

3beds
2baths
2,330sqft
$499,999
$215price/sqft
$3,197/moest. monthly cost
$127,880/yrincome needed

About This Home

New Construction ranch home on large lot with bonus room above the oversized finished garage. Super desirable location just outside of Lake Norman State Park. Covered front porch and covered rear deck with ceiling fan. Open split bedroom floorplan. Easy access to the lake, shopping and interstates. Septic is located in the front yard allowing for the potential to install a pool in the backyard. County taxes only!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

6/10
2/10
Troutman Middle SchoolGrades 6-82.7 mi
5/10
South Iredell High SchoolGrades 9-123.6 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave
  • Laundry features: Electric Dryer Hookup,Utility Room,Laundry Room,Main Level,Washer Hookup

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Tile,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 2,330

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Ductless,Heat Pump
  • Cooling features: Ceiling Fan(s),Central Air,Ductless

Interior Area

  • Total structure area: 2,330
  • Total interior livable area: 2,330 sqft

Kitchen

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 4730321007.000
  • Zoning: RA
  • Special condition: Standard

Features

  • Levels: 1 Story/F.R.O.G.
  • Patio & porch: Covered,Deck,Front Porch

Lot

  • Lot size: 0.69 Acres

Parking

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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Iredell 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 $2,528$30,336
Home Insurance *$183$2,196
Property Taxes $269$3,228
Electricity $217$2,604
Total$3,197$38,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,611/yr
40% on housing$95,910/yr
45% on housing$85,253/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: 15.7%
15.7%
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

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 28166$250
Iredell County$213

vs Homes Sold Last Month

Median $/sqft

ZIP 28166$179
Iredell County$191

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
2026-08-05Pending sale$499,999
2026-07-09Listed for sale$499,999
2025-12-19Sold$90,000

New Construction

AgentMike Todd
BrokerageHoward Hanna Allen Tate Royal Properties

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