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3122 Zion Church Rd, Hickory, NC, 28602

2beds
2baths
1,310sqft
$345,000
$263price/sqft
$2,225/moest. monthly cost
$89,000/yrincome needed

About This Home

Enjoy peaceful country living with no HOA on over 4 acres of beautiful land. Conveniently located with easy access to Hickory, Highway 321, and I-40, this unique property offers the perfect combination of privacy and accessibility. The home features a 22' x 30' detached garage complete with a workshop area and a wood-burning stove, making it ideal for year-round projects and hobbies. Outdoor living is a highlight of this property. Relax and take in the scenic views from the expansive upper deck that spans the length of the rear of the home or enjoy the shade and comfort of the covered patio below. A welcoming front porch provides another perfect spot to unwind and enjoy the peaceful surroundings. The property extends to a creek located behind the home and includes a mix of open field and wooded acreage, offering endless possibilities for recreation, hunting, gardening, or simply enjoying nature. Owned outright by the sellers, the solar panels installed on the garage help offset utility costs by supplying power to both the home and garage. Don't miss this opportunity to own a private slice of the countryside while remaining close to all the conveniences of the Hickory area.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

8/10
Blackburn ElementaryGrades K-61.7 mi
6/10
Jacobs Fork MiddleGrades 7-83.4 mi
6/10
Fred T Foard HighGrades PK,9-123.4 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Slab
  • Construction materials: Stone Veneer,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished,Walk-Out Access

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 655
  • Finished area above ground: 655

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 655
  • Total interior livable area: 1,310 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 3619091560810000
  • Zoning: R-20
  • Special condition: Standard
  • Exclusions: washer and Dryer do not convey

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 4.70 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Detached 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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Catawba 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 $1,744$20,928
Home Insurance *$152$1,824
Property Taxes $129$1,548
Electricity $200$2,405
Total$2,225$26,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,285/yr
40% on housing$66,750/yr
45% on housing$59,333/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: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.5%
3.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$263This listing

vs Other Active Listings

Avg $/sqft

ZIP 28602$150
Catawba County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 28602$178
Catawba County$188

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
2026-07-28Price change$345,000
2026-06-29Price change$350,000
2026-06-10Listed for sale$368,000
2023-05-19Sold$296,000
2020-04-24Sold$183,500
2020-03-02Pending sale$174,900
2020-02-01Price change$174,900
2020-01-30Listed for sale$169,900
2013-01-30Sold$78,000

For Sale by Agent

AgentRandy Belk
BrokerageFirst Fruits Realty

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