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40 Forest Ave, Granite Falls, NC, 28630

2beds
3baths
1,693sqft
$275,000
$162price/sqft
$1,832/moest. monthly cost
$73,280/yrincome needed

About This Home

This well-maintained 2-bedroom, 2.5-bathroom home in Granite Falls features a comfortable layout, thoughtful updates, and flexible living space. The main level features an open design with hardwood floors and a bright living area centered around a lovely fireplace, creating a warm, inviting focal point. A large glass sliding door opens to a private upper-level balcony—an ideal spot for morning coffee or quiet evenings. The kitchen has been updated with a newer gas cooktop and flows easily into the main living and dining areas, keeping the space open and functional. Bathrooms throughout the home have been updated, and newer flooring has been added where it matters most. The partially finished basement adds valuable square footage and versatility. This level features a large wood-burning fireplace, making it a great space for entertaining, relaxing, or converting into a primary bedroom suite. Newer LVP flooring runs throughout the lower level, including the generous laundry and storage area, keeping the space both practical and clean. Additional highlights include a whole-home gas generator for added peace of mind during power outages, along with updates that reflect ongoing care. Overall, this home offers a solid mix of comfort, functionality, and flexibility in a convenient Granite Falls location—well suited for buyers looking for a move-in-ready property with room to adapt as needs change.

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Granite Falls ElementaryGrades PK-51.0 mi
7/10
Granite Falls MiddleGrades 6-80.8 mi
4/10
South Caldwell HighGrades PK,9-122.4 mi

Construction

Condition

  • Year built: 1960

Materials

  • Construction materials: Hardboard Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Storage Space,Other

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 368
  • Finished area above ground: 1,325

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,325
  • Total interior livable area: 1,693 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 2785132437
  • Zoning: Undiscovered
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.55 Acres

Parking

  • Parking features: Attached Carport
  • Carport: 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

  • 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 $1,390$16,680
Home Insurance *$129$1,548
Property Taxes $113$1,356
Electricity $200$2,405
Total$1,832$21,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,811/yr
40% on housing$54,960/yr
45% on housing$48,853/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

$162This 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
2026-04-16Price change$275,000
2026-01-31Listed for sale$285,000
2023-05-09Sold$1,000
2022-12-14Sold$275,000
2022-11-10Pending sale$275,000
2022-10-17Listed for sale$275,000
2019-01-23Sold$148,000
2018-12-04Pending sale$150,000
2018-11-23Listed for sale$150,000
2012-09-19Sold$89,900

For Sale by Agent

AgentChris St Clair
BrokerageSt. Clair Home and Land Compan

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