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414 Scarlett Oak Court NE, Lenoir, NC, 28645

3beds
3baths
3,045sqft
$498,000
$164price/sqft
$3,200/moest. monthly cost
$128,000/yrincome needed

About This Home

Nestled in the charming town of Lenoir, The Gateway to the NC Mountains, this beautifully designed single-level home blends modern comfort with effortless appeal. Whether you’re searching for a stylish primary residence or the perfect North Carolina retreat, this home delivers the ideal balance of luxury, function, and low-maintenance ease. Step inside to a thoughtfully curated open-concept layout featuring designer finishes, elevated fixtures, and inviting indoor-outdoor living spaces with both upper and lower decks — great for morning coffee or taking in the changing seasons. The custom kitchen is a true centerpiece, complete with a large island with bar seating, granite countertops, and a timeless tile backsplash. The spacious owner’s suite feels like a private retreat, showcasing a spa-inspired en-suite with a barn door entry, stunning tiled shower, dual vanity, and walk-in closet. You'll appreciate the main-level laundry room offering custom cabinetry and a folding area/cabinet for added convenience. A main level office checks another box on your must-have list! Downstairs, the finished basement provides two additional bedrooms with a beautifully appointed bathroom, a large living space with a generous den, flexible bonus room for a 2nd office or fitness studio, and an eye-catching guest bathroom. Outdoor lovers will appreciate direct access to Lenoir’s Greenway just behind the home for scenic walks, bike rides, or heading to the nearby ballfields. Ideally located just minutes from Blowing Rock, Boone, and Hickory, with a little over an hour's drive to Charlotte Douglas International Airport, this home offers the feel of a mountain house with everyday convenience. A must-see property with style, space, and location all in one. Furnished photos are virtually staged.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Valmead BasicGrades PK-50.7 mi
8/10
William Lenoir MiddleGrades 6-81.9 mi
4/10
Hibriten HighGrades PK,9-122.0 mi

Construction

Condition

  • Year built: 2026

Materials

  • Foundation: Basement
  • Roof: Asphalt,Shingle
  • Construction materials: Hardboard,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator
  • Laundry features: Washer Hookup,Dryer Hookup,Main Level

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished,Interior Entry

Bedrooms & Bathrooms

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

Features

  • Fireplace features: None
  • Finished area below ground: 1,479
  • Finished area above ground: 1,566

Heating & Cooling

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

Interior Area

  • Total structure area: 3,045
  • Total interior livable area: 3,045 sqft

Property

Details

  • Parcel number: 2850250437
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Multiple
  • Exterior features: None
  • Has view: Yes
  • View description: Residential,Trees/Woods

Lot

  • Lot size: 5,662 sqft

Parking

  • Total spaces: 2
  • Parking features: Concrete,Driveway,Garage,Two Car Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $2,518$30,216
Home Insurance *$209$2,508
Property Taxes $190$2,280
Electricity $283$3,403
Total$3,200$38,400
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,714/yr
40% on housing$96,000/yr
45% on housing$85,333/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

$164This 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
2026-08-06Price change$479,900
2026-07-10Price change$498,000
2026-05-22Listed for sale$499,900
2025-05-29Sold$17,000

For Sale by Agent

AgentMarianna Geyer
Brokerage828 Real Estate Services

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