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3226 Derby Cir, High Point, NC, 27265

4beds
3baths
3,641sqft
$350,000
$96price/sqft
$2,651/moest. monthly cost
$106,040/yrincome needed

About This Home

ALOT OF HOUSE FOR THE $$ in this two-story home with a basement and main-level garage, offering over 3,000 square feet of living space. A little bit of updating and this house will look great! The welcoming front porch adds curb appeal and charm. Located in an established neighborhood with a highly convenient location. The flexible floor plan includes a spacious upstairs bonus room with a closet that can also serve as a 5th bedroom. The eat-in kitchen features a large pantry and ample space for everyday dining. The property does not back up to another home, providing added privacy and elbow room. With multiple living areas and generous square footage, this home offers space and versatility for a variety of needs. SEE AGENT ONLY

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

7/10
4/10
Laurin Welborn MiddleGrades 6-81.1 mi
6/10

Construction

Condition

  • Year built: 1989

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Stick/Site Built,Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Range,Gas Water Heater
  • Laundry features: Dryer Connection,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished, Basement

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Bonus Room

  • Level: Second

Breakfast

  • Level: Main

Den

  • Level: Main

Dining Room

  • Level: Main

Entry

  • Level: Main

Exercise Room

  • Level: Basement

Features

  • Ceiling Fan(s),Soaking Tub,Pantry,Separate Shower
  • Flooring: Carpet,Tile,Vinyl,Wood
  • Number of fireplaces: 1
  • Fireplace features: Den
  • Fireplace: Yes
  • Finished area below ground: 1,106
  • Finished area above ground: 2,535

Heating & Cooling

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

Interior Area

  • Total structure area: 3,641
  • Total interior livable area: 3,641 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Recreation Room

  • Level: Basement

Property

Details

  • Parcel number: 0207446
  • Zoning: RS-12
  • Special condition: Owner Sale

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch
  • Fencing: None

Lot

  • Lot size: 0.34 Acres

Parking

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

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Winter Weather

FEMA Declared Disasters in Guilford 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 $1,769$21,228
Home Insurance *$143$1,716
Property Taxes $400$4,800
Electricity $339$4,069
Total$2,651$31,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,891/yr
40% on housing$79,530/yr
45% on housing$70,693/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$96This listing

vs Other Active Listings

Avg $/sqft

ZIP 27265$145
Guilford County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 27265$167
Guilford County$175

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
2026-05-14Price change$362,500
2026-04-26Price change$375,000
2026-03-22Price change$385,000
2026-02-28Listed for sale$399,900
2023-06-13Listing removed--
2023-05-20Listed for rent$2,300
2022-04-29Sold$360,000
2022-04-04Pending sale$350,000
2022-03-31Listed for sale$350,000

For Sale by Agent

AgentShirley Ramsey
BrokerageKeller Williams Realty

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