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323 4th Street Pl SW, Hickory, NC, 28602

3beds
2baths
1,434sqft
$249,900
$174price/sqft
$1,748/moest. monthly cost
$69,920/yrincome needed

About This Home

Step into the timeless charm of this 1940 Cape Cod full of character, craftsmanship, and classic details that are harder to find today. Solid interior doors, vintage hardware, built-ins, and period touches give this home a warm, inviting feel from the moment you enter. The main level offers a welcoming foyer, a cozy living room, a dedicated dining room, a galley-style kitchen, 1 spacious bedroom, 1 full bath, and a convenient laundry room. Upstairs you’ll find 2 additional bedrooms, each featuring two closets plus built-ins, along with a second full bath. A partial basement with both interior and exterior access offers extra storage and potential for work space. Located approximately ½ mile from the vibrant downtown district, you’ll enjoy easy access to shops, restaurants, galleries, and a growing lineup of community events. Just 1 mile to Frye Regional Medical Center and 5 miles to Catawba Valley Medical Center, this home offers excellent proximity for work, travel, and everyday convenience. Whether you're a first-time buyer looking for a home with character or an investor seeking an opportunity for rental income or a potential short-term rental, this Cape Cod delivers charm, location, and versatility. Come see the possibilities and make it your own!

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

2/10
Longview ElementaryGrades 3-50.9 mi
3/10
Grandview MiddleGrades 6-81.9 mi
4/10
Hickory HighGrades PK,9-121.6 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Partial,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Partial

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,434

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,434
  • Total interior livable area: 1,434 sqft

Laundry

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 370206389187
  • Zoning: NC
  • Special condition: Estate

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.10 Acres

Parking

  • Parking features: Detached Carport,Driveway
  • Has uncovered spaces: Yes
  • 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
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Cold Wave
Earthquake
Inland Flooding
Strong Wind
Tornado
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 $1,263$15,156
Home Insurance *$110$1,320
Property Taxes $175$2,100
Electricity $200$2,405
Total$1,748$20,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,931/yr
40% on housing$52,440/yr
45% on housing$46,613/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

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 28602$151
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
2026-04-03Listed for sale$249,900
2026-03-11Listing removed$260,000
2026-01-12Price change$260,000
2025-12-01Listed for sale$265,000
2015-11-30Listing removed--
2015-11-25Listed for sale--
2014-03-26Listing removed--
2014-03-07Listed for sale--
2004-11-12Sold$83,000

For Sale by Agent

AgentCris Ashley
BrokerageHome & Heart Realty, LLC

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