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904 Mill St, Albemarle, NC, 28001

3beds
1baths
1,247sqft
$179,900
$144price/sqft
$1,361/moest. monthly cost
$54,440/yrincome needed

About This Home

Charming home situated on a corner lot in Albemarle featuring a spacious covered front porch stretching across the entire front of the home — perfect for relaxing and enjoying the outdoors! Major updates include the roof and HVAC replaced in 2020 for added peace of mind. The fenced backyard offers great space for pets, play, or entertaining and just needs a gate replacement to be fully enclosed again. Conveniently located close to local amenities, shopping, and dining!

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
59
BikeBikeable

Schools

6/10
3/10
Albemarle Middle SchoolGrades 6-82.4 mi
3/10
Albemarle High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

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

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Flooring: Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,247

Heating & Cooling

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

Interior Area

  • Total structure area: 1,247
  • Total interior livable area: 1,247 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 653802951836
  • Zoning: R-8
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Rear Porch
  • Fencing: Back Yard,Fenced,Privacy,Wood

Lot

  • Lot size: 0.11 Acres
  • Features: Corner Lot

Parking

  • Parking features: Driveway,On Street
  • 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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Stanly 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 $909$10,908
Home Insurance *$87$1,044
Property Taxes $165$1,980
Electricity $200$2,405
Total$1,361$16,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,662/yr
40% on housing$40,830/yr
45% on housing$36,293/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$144This listing

vs Other Active Listings

Avg $/sqft

ZIP 28001$131
Stanly County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 28001$175
Stanly County$187

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
2026-08-16Price change$179,500
2026-07-07Price change$179,900
2026-06-05Price change$185,000
2026-05-26Listed for sale$190,000
2021-08-19Sold$158,500
2021-07-17Pending sale$159,900
2021-07-09Listed for sale$159,900
2021-06-13Listing removed--
2021-06-04Price change$149,000
2021-05-01Listed for sale$159,000

For Sale by Agent

AgentAmanda Cody
BrokerageHOMETOWN REALTY PROS LLC

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