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401 Stonecroft Dr SE, Lenoir, NC, 28645

4beds
4baths
3,602sqft
$599,990
$167price/sqft
$3,851/moest. monthly cost
$154,040/yrincome needed

About This Home

Tucked away on approximately 1 acre in Lenoir, this 3,600 square foot home offers the kind of space, warmth, and character that is hard to find. Surrounded by mature trees and set back with an inviting front porch, the home feels private and welcoming from the moment you pull in. Inside, you’ll find large, comfortable living spaces with beautiful hardwood floors, plenty of natural light, and room to truly spread out. The main living area is spacious and inviting, with a fireplace, crown molding, and a layout that works just as well for quiet nights at home as it does for hosting family and friends. The kitchen was updated in 2022 and is both beautiful and functional, featuring granite countertops, a double oven, natural gas range, cabinet-depth refrigerator, dishwasher, and an oversized island with seating for three. There is also a large eat-in area with space for a table of six, while the formal dining room can easily handle a table for ten. What really sets the kitchen apart is all the thoughtful storage and convenience built in throughout. You’ll find an under-cabinet drop-down spice rack, drop-down cookbook storage, a wall-mounted TV, USB connections, three lazy Susans, and a double pantry with both shelving and slide-out storage. The upper cabinets extend all the way to the ceiling, giving you even more storage space. The home also includes two built-in ironing boards, one in the laundry room and one in the primary bedroom, along with a 96-gallon electric water heater. It is already plumbed for a gas water heater if a future owner wants to make that change. The basement has two additional hot and cold water connections in place for added flexibility. With generous square footage, quality updates, and a peaceful setting in Lenoir, this home offers plenty of room to live, gather, and grow.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

5/10
Lower Creek ElementaryGrades PK-50.6 mi
8/10
William Lenoir MiddleGrades 6-80.9 mi
4/10
Hibriten HighGrades 9-121.0 mi

Construction

Condition

  • Year built: 1990

Materials

  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Basement Garage Door

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,602

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,602
  • Total interior livable area: 3,602 sqft

Living Room

  • Features: None
  • Level: Main
  • Area: 225
  • Dimensions: 15' 0" X 15' 0"

Property

Details

  • Parcel number: 2759778164
  • Zoning: R-15
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.99 Acres

Parking

  • Parking features: Basement,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 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 $3,033$36,396
Home Insurance *$252$3,024
Property Taxes $231$2,772
Electricity $335$4,025
Total$3,851$46,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,034/yr
40% on housing$115,530/yr
45% on housing$102,693/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: 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

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 28645$170
Caldwell County$193

vs Homes Sold Last Month

Median $/sqft

ZIP 28645$161
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
2026-04-17Listed for sale$619,990
2021-12-05Listing removed--
2021-10-11Pending sale$455,000
2021-10-07Price change$455,000
2021-10-04Listed for sale$460,000

For Sale by Agent

AgentTim Tellado
BrokerageOsborne Real Estate Group LLC

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