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843 Worsham Mill Rd, Ruffin, NC, 27326

4beds
3baths
4,542sqft
$479,149
$105price/sqft
$3,336/moest. monthly cost
$133,440/yrincome needed

About This Home

Discover this 4-bedroom, 3-bath home situated on 10.66+/- acres in Ruffin. Two parcels are being sold together as one, offering added acreage & potential. The main level features a spacious den with a fireplace, while the finished basement includes a second fireplace, full bath, kitchen, bonus rooms, & flexible living space. The primary bedroom is conveniently located on the main level. Enjoy the covered front porch, 2 rear decks (1 covered & 1 uncovered), & attached 2-car carport. Roof replaced in 2022. Surrounded by mature trees, this property offers the opportunity to complete your personal touch while enjoying the privacy & space of country living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

8/10
Lincoln ElementaryGrades PK-54.7 mi
7/10
Rockingham County MiddleGrades 6-810.5 mi
5/10
Rockingham County HighGrades 9-1210.8 mi

Construction

Condition

  • Year built: 2003

Materials

  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Stick/Site Built,Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Finished, Basement, Crawl Space

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2

Bonus Room

  • Level: Basement

Bonus Room

  • Level: Basement

Bonus Room

  • Level: Main

Bonus Room

  • Level: Basement

Bonus Room

  • Level: Basement

Den

  • Level: Main

Dining Room

  • Level: Main

Entry

  • Level: Main

Features

  • Number of fireplaces: 2
  • Fireplace features: Basement,Den
  • Fireplace: Yes
  • Finished area below ground: 1,294
  • Finished area above ground: 3,248

Heating & Cooling

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

Interior Area

  • Total structure area: 4,542
  • Total interior livable area: 4,542 sqft

Kitchen

  • Level: Basement

Kitchen

  • Level: Main

Laundry

  • Level: Basement

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Office

  • Level: Main

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 162833
  • Zoning: RA
  • Special condition: Owner Sale

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 10.66 Acres
  • Features: Partial Flood Zone

Parking

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

  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather

FEMA Declared Disasters in Rockingham 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 $2,422$29,064
Home Insurance *$225$2,700
Property Taxes $266$3,192
Electricity $423$5,076
Total$3,336$40,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,377/yr
40% on housing$100,080/yr
45% on housing$88,960/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$105This listing

vs Other Active Listings

Avg $/sqft

ZIP 27326$109
Rockingham County$136

vs Homes Sold Last Month

Median $/sqft

ZIP 27326$178
Rockingham County$156

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
2026-07-01Listed for sale$479,149

For Sale by Agent

AgentMatthew Millaway
BrokerageeXp Realty

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