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1378 State Highway 182, Lincolnton, NC, 28092

2beds
1baths
1,024sqft
$245,000
$239price/sqft
$1,614/moest. monthly cost
$64,560/yrincome needed

About This Home

Peaceful country living meets everyday convenience! This inviting home features two bedrooms plus a versatile bonus room ideal for a home office, guest space or flex room. The attic provides additional storage space with potential for future use. Enjoy a covered front porch, durable metal roof, encapsulated crawl space and spacious covered back deck overlooking the open yard and pasture. With room for chickens, goats, gardening and more, this property offers a great opportunity to create your own mini farm. Conveniently located near downtown Lincolnton and between Hickory and Charlotte, with easy access to shopping, dining and major highways. Enjoy the space, privacy and charm of country living! Please read agent notes.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

3/10
Love Memorial ElementaryGrades PK-51.1 mi
4/10
West Lincoln MiddleGrades 6-85.9 mi
5/10
West Lincoln HighGrades 9-126.0 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator
  • Laundry features: In Hall

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Bonus Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,024

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 1,024
  • Total interior livable area: 1,024 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 20222
  • Zoning: R-SF
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Fencing: Back Yard,Partial

Lot

  • Lot size: 0.67 Acres
  • Features: Pasture

Parking

  • Parking features: Driveway
  • 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 FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Cold Wave
Tornado
Winter Weather

FEMA Declared Disasters in Lincoln 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 *$100$1,200
Property Taxes $76$912
Electricity $200$2,405
Total$1,614$19,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,337/yr
40% on housing$48,420/yr
45% on housing$43,040/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 8.5%
8.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 28092$169
Lincoln County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28092$183
Lincoln County$204

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
2026-08-02Listed for sale$245,000
2006-03-29Sold$55,000

For Sale by Agent

AgentSarah Iriarte
BrokerageNestlewood Realty LLC

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