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801 N Grove St, Lincolnton, NC, 28092

2beds
2baths
2,041sqft
$265,000
$130price/sqft
$1,896/moest. monthly cost
$75,840/yrincome needed

About This Home

Welcome to your peaceful retreat by the water! Nestled right beside the serene Clark's Creek and just a short walk or golf cart ride to downtown Lincolnton, this property offers both charm and convenience. The main home features 2 spacious bedrooms upstairs, 2 full bathrooms, and a dedicated office. Enjoy the added bonus of a 632 sq ft second living quarters with its own private entrance—perfect for multigenerational living, guest accommodations, or even a separate rental space. This flexible area includes a private bedroom, full bathroom, and convenient sink area, offering comfort and privacy for extended family or visitors. With its ideal location and built-in second living space, this property would also make an excellent Airbnb or short-term rental opportunity, providing both versatility and potential income. Imagine sipping your morning coffee with the soothing sounds of the creek nearby or hosting gatherings with the tranquil backdrop of flowing water. Recent updates—including a newer roof, HVAC, ductwork, flooring, kitchen upgrades, and modern touches throughout—make this home truly move-in ready. Don’t miss your chance to own this unique creekside property with stunning surroundings and endless possibilities. Schedule your private tour today! Additional 0.421 lot available behind the property.

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

8/10
3/10
Lincolnton MiddleGrades 6-83.2 mi
4/10
Lincolnton HighGrades 9-120.5 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Slab
  • Construction materials: Brick Partial,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range
  • Laundry features: Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Total Primary Heated Living Area: 1409
  • Finished area below ground: 0
  • Finished area above ground: 1,409

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,409
  • Total interior livable area: 2,041 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Upper

Property

Details

  • Parcel number: 17036
  • Zoning: R-10
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.29 Acres

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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado
Cold Wave
Hail
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 $1,339$16,068
Home Insurance *$108$1,296
Property Taxes $249$2,988
Electricity $200$2,405
Total$1,896$22,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,005/yr
40% on housing$56,880/yr
45% on housing$50,560/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

$130This 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
2026-03-31Price change$275,000
2026-03-17Price change$295,000
2026-01-02Price change$310,000
2025-10-23Price change$325,000
2025-10-11Price change$335,000
2025-10-03Listed for sale$350,000
2022-02-14Sold$201,500
2021-08-09Sold$188,000
2013-11-30Listing removed$700
2013-11-14Price change$700
2013-10-25Listed for rent$750
2013-04-09Listing removed$129,900
2012-10-09Listed for sale$129,900
2012-05-13Listing removed$150,000
2012-04-12Price change$150,000
2011-11-16Listed for sale$159,900
2009-12-17Listing removed$142,000
2009-11-06Listed for sale$142,000

For Sale by Agent

AgentLee Huss
BrokerageGilleland Realty Inc

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