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1082 Maple St, Granite Falls, NC, 28630

3beds
2baths
1,123sqft
$289,900
$258price/sqft
$1,965/moest. monthly cost
$78,600/yrincome needed

About This Home

Updated brick ranch with full basement on dead end street. Beautiful hardwood floors in large open flowing living area. The bedrooms are serviced by a hall bath. Guests are serviced by a half bath. One bedroom has been converted to a laundry but could be converted back to a traditional bedroom. The full basement has some finished areas, a full kitchen and a second laundry room and partitioned rooms in addition to workshop areas. The potential is endless for further expansion. The yard is completely fenced for pets safety. The back yard is also fenced and has a large salt water pool. The pool area has a gazebo and features a cleaning system for the pool. The side yard features the double detached carport. The HVAC is only 3 years old among other updates. The location is near major road access, schools, grocery stores and shopping.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

5/10
Baton ElementaryGrades PK-51.0 mi
4/10
Hudson MiddleGrades 6-84.2 mi
4/10
South Caldwell HighGrades PK,9-124.1 mi

Construction

Condition

  • Year built: 1973

Materials

  • Roof: Metal
  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator
  • Laundry features: In Basement,Inside,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Basement Shop,Exterior Entry,Full,Interior Entry,Partially Finished,Storage Space,Walk-Out Access

Bathroom Half

  • Level: Basement

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,123

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,123
  • Total interior livable area: 1,123 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1128146
  • Zoning: RA20
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: Fenced,In Ground,Salt Water
  • Patio & porch: Deck
  • Fencing: Back Yard,Chain Link,Fenced,Front Yard,Full

Lot

  • Lot size: 0.68 Acres
  • Features: Cleared

Parking

  • Total spaces: 3
  • Parking features: Attached Carport,Detached Carport,Driveway
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 3

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Caldwell 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 $1,465$17,580
Home Insurance *$136$1,632
Property Taxes $164$1,968
Electricity $200$2,405
Total$1,965$23,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,371/yr
40% on housing$58,950/yr
45% on housing$52,400/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: 12.6%
12.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$258This listing

vs Other Active Listings

Avg $/sqft

ZIP 28630$159
Caldwell County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 28630$192
Caldwell County$173

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
2026-04-22Listed for sale$289,900

For Sale by Agent

AgentKay Orrell
BrokerageOrrell Associates

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