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95 Dow Cir, Spring Lake, NC, 28390

4beds
2baths
2,001sqft
$198,000
$99price/sqft
$1,446/moest. monthly cost
$57,840/yrincome needed

About This Home

Great home on .89 acre lot (not rented or in park). featuring 2000+ sq.ft, 4bdr/2ba, LR,DR,den w/FP, built-in S/S appliances,Mstr Bdr w/ office, luxury Mstr Ba w/ jetted tub, WIC, lndry rm, pntry, patio, deck, & much more! New AC installed in 2025.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

--
Anderson Creek PrimaryGrades PK-23.2 mi
4/10
Overhills MiddleGrades 6-85.1 mi
3/10
Overhills High SchoolGrades 9-125.2 mi

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Linoleum / Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Heat pump
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,001 sqft

Property

Details

  • Parcel number: 010534004703

Lot

  • Lot size: 0.89 Acres

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

  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Heat Wave
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Harnett 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 $1,001$12,012
Home Insurance *$119$1,428
Property Taxes $126$1,512
Electricity $200$2,405
Total$1,446$17,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,577/yr
40% on housing$43,380/yr
45% on housing$38,560/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$99This listing

vs Other Active Listings

Avg $/sqft

ZIP 28390$141
Harnett County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28390$148
Harnett County$163

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
2026-07-27Listed for sale$198,000
2024-10-31Sold$132,000
2024-08-15Sold$129,500
2018-06-29Sold$130,000
2012-04-27Sold$98,000
2012-03-09Listed for sale$110,000
2011-09-03Listing removed$115,000
2011-04-14Price change$115,000
2010-12-16Listed for sale$117,000

For Sale by Owner

AgentProperty Owner

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