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2990 Clarks Chapel Rd, Lenoir, NC, 28645

3beds
2baths
1,736sqft
$378,000
$218price/sqft
$2,482/moest. monthly cost
$99,280/yrincome needed

About This Home

Beautifully updated single-story home on just over 2 acres in Lenoir, and one of the rare finds in this area with NO city taxes. From top to bottom, this property has been thoughtfully updated and is truly move-in ready, offering the perfect blend of modern comfort, real space, and country privacy. Brand new 2026 HVAC Step inside to real hardwood flooring throughout the main living areas and brand new carpet in the bedrooms. The kitchen has been refreshed with refinished cabinetry and new countertops, striking the ideal balance between warmth and style. The fully remodeled bathroom is a true showpiece, featuring sleek modern LED mirrors and a stunning tile shower that extends all the way to the ceiling. A classic brick fireplace anchors the family room, adding character and a cozy gathering place for years of memories. Enjoy the best of outdoor living with a welcoming front porch and a brand new back deck, both perfectly positioned to let you relax while the kids play or the pups run across your two-plus acres of land. The space, the privacy, and the freedom this lot offers are increasingly hard to come by. Downstairs, the home features a basement garage and an unfinished basement full of potential. Whether you envision additional living space for family, a home gym, a workshop, or simply generous storage, this blank canvas is ready for your vision. Located in the West Caldwell High School district, with Gamewell Middle School and Whitnell Elementary, this remodeled gem combines modern updates, acreage, and an unbeatable no-city-tax location. Opportunities like this do not last. Schedule your private showing today and come see everything this exceptional property has to offer. *Back on market no fault of seller *

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

6/10
Whitnel ElementaryGrades PK-53.0 mi
5/10
Gamewell MiddleGrades 6-82.3 mi
2/10
West Caldwell HighGrades 9-122.5 mi

Construction

Condition

  • Year built: 1990

Materials

  • Roof: Metal
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Oven,Refrigerator
  • Laundry features: In Hall

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom Full

  • Level: Main

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Fireplace features: Family Room
  • Finished area below ground: 0
  • Finished area above ground: 1,736

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Electric,Heat Pump

Interior Area

  • Total structure area: 1,736
  • Total interior livable area: 1,736 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 06139132
  • Zoning: GAMEWELL: R-20
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main

Lot

  • Lot size: 2.20 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
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 $1,911$22,932
Home Insurance *$158$1,896
Property Taxes $213$2,556
Electricity $200$2,405
Total$2,482$29,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,097/yr
40% on housing$74,460/yr
45% on housing$66,186/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

$218This 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
2026-07-17Listed for sale$378,000

For Sale by Agent

AgentKelsie Blevins
BrokerageRealty Executives of Hickory

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