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3002 Plyler Mill Rd, Monroe, NC, 28112

2beds
2baths
2,875sqft
$423,000
$147price/sqft
$2,710/moest. monthly cost
$108,400/yrincome needed

About This Home

Septic permit is for 2 bedrooms. Peaceful country living on over 1.6 acres, with unexpected extras, awaits. Relax on the covered rocking-chair front porch before stepping into an inviting living room featuring a cozy gas fireplace (sellers never hooked up logs). The spacious, updated kitchen offers ample counter and cabinet space with room to accommodate a dining table. A large laundry room adds valuable storage and functionality. The bedroom wing includes a primary suite with a generously sized double-vanity ensuite, additional bedrooms, and a full hall bath. New carpet was installed in May 2024. The full basement spans the entire home and provides heated additional living space, making it a versatile added bonus. It was professionally waterproofed in 2023 by DryPro and includes a complete gutter system and sump pump, backed by a lifetime warranty. Additional major improvements include a new septic system (2023), a newly poured, large concrete driveway with turnaround and proper drainage (2024), and brand-new epoxy flooring in the garage and full basement (Dec 2025). Outside, off the large deck—ideal for outdoor entertaining—you’ll find a large, fenced backyard directly behind the home. Don’t miss the cleared trail near the road that leads to your own wooded, waterfront peninsula overlooking a beautiful creek, perfect for enjoying nature and peaceful surroundings. Conveniently located just 10 minutes from downtown Monroe. Home has 3 functional bedrooms (with closets). Septic permit is for 2 bedrooms.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

5/10
3/10
Parkwood Middle SchoolGrades 6-83.4 mi
8/10
Parkwood High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 1998

Materials

  • Construction materials: Vinyl

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Refrigerator,Self Cleaning Oven,Washer/Dryer
  • Laundry features: Inside,Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Full,Interior Entry,Sump Pump,Walk-Out Access

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Breakfast

  • Level: Main

Features

  • Pantry
  • Fireplace features: Gas Log,Living Room
  • Finished area below ground: 1,347
  • Finished area above ground: 1,528

Flex Space

  • Level: Basement

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,528
  • Total interior livable area: 2,875 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 04225047
  • Zoning: AF8
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Fencing: Back Yard,Fenced,Wood

Lot

  • Lot size: 1.69 Acres
  • Features: Wooded

Parking

  • Total spaces: 8
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

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 StormRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Union 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 $2,138$25,656
Home Insurance *$150$1,800
Property Taxes $155$1,860
Electricity $267$3,213
Total$2,710$32,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,914/yr
40% on housing$81,300/yr
45% on housing$72,266/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$147This listing

vs Other Active Listings

Avg $/sqft

ZIP 28112$202
Union County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28112$184
Union County$205

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
2026-04-01Price change$430,000
2026-02-27Price change$439,000
2026-01-02Listed for sale$446,000
2024-07-11Sold$390,000
2024-06-12Pending sale$400,000
2024-05-10Price change$400,000
2024-04-26Listed for sale$410,000
2022-09-20Sold$378,000
2022-08-15Contingent$384,900
2022-08-05Listed for sale$384,900
2022-07-30Pending sale$384,900
2022-07-30Listed for sale$384,900
2021-11-29Sold$335,000
2021-10-26Contingent$345,000
2021-10-24Price change$345,000
2021-10-22Listed for sale$349,900
2016-03-29Sold$175,000

For Sale by Agent

AgentGillian Huneycutt
BrokerageKeller Williams Select

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