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407 N 14th St, Erwin, NC, 28339

2beds
1baths
1,071sqft
$180,000
$168price/sqft
$1,395/moest. monthly cost
$55,800/yrincome needed

About This Home

There are houses… and then there are homes that just feel right the moment you see them.There’s something about this house that just feels good. Maybe it’s the 1903 charm. Maybe it’s the park right next door. Maybe it’s the cozy scale that reminds you homes don’t have to be huge to feel perfect. But once you see it… you get it. This one is that kind of home. Tucked beside one of Erwin’s most beloved parks, this charming 1903 cottage is the kind of place that makes you slow down a little when you pull into the driveway. The kind where mornings start with coffee on the porch, afternoons mean a short walk through the park next door, and evenings feel quiet in the best possible way. Inside, the home has been thoughtfully updated while still keeping the warmth and character that make older homes so special. Sunlight fills the living spaces, the layout flows comfortably, and the eat-in kitchen becomes the natural gathering spot — the place where conversations happen long after dinner is finished. With two bedrooms, one bath, and just over 1,000 square feet, this home proves something important: You don’t need massive square footage to live beautifully. You just need a place that feels like yours. The fenced yard offers privacy, space for pets, gardening, or summer evenings under the Carolina sky. And with no HOA, you get the freedom to actually enjoy your property. Whether you're buying your first home, downsizing to something simpler, or looking for a place with character that newer homes just can’t replicate — this one has a way of capturing hearts. Homes like this don’t sit around waiting. They get noticed. And once someone steps inside…they usually don’t want to leave. Welcome home. THIS HOME HAS AN ASSUMABLE FHA LOAN AVAILABLE UNDER 4.5%!!!

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

3/10
Erwin ElementaryGrades PK-50.5 mi
2/10
Coats-Erwin MiddleGrades 6-83.0 mi
5/10
Triton HighGrades 9-120.8 mi

Construction

Condition

  • Year built: 1903

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: One Story
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Eat-in Kitchen
  • Flooring: Vinyl
  • Fireplace features: None

Heating

  • Heating features: Forced Air,Gas

Interior Area

  • Total interior livable area: 1,071 sqft

Property

Details

  • Parcel number: 06059710100002
  • Zoning description: R6 - Residential District
  • Special condition: None
  • Exclusions: PERSONAL BELONGINGS,CAMERAS

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Fence
  • Fencing: Yard Fenced
  • Living area range: 1001-1100

Lot

  • Features: < 1/4 Acre

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
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

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 $910$10,920
Home Insurance *$89$1,068
Property Taxes $196$2,352
Electricity $200$2,405
Total$1,395$16,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,828/yr
40% on housing$41,850/yr
45% on housing$37,200/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

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 28339$117
Harnett County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28339$179
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
2026-04-09Price change$180,000
2026-03-11Listed for sale$187,000
2026-03-04Listing removed$187,000
2025-10-17Price change$187,000
2025-09-01Listed for sale$193,000
2022-08-17Listing removed--
2022-07-21Pending sale$204,900
2022-07-14Price change$194,900
2022-06-28Price change$199,000
2022-06-28Price change$204,900
2022-06-15Price change$229,900
2022-06-02Listed for sale$234,900
2021-08-13Sold$146,400
2021-06-27Pending sale$148,900
2021-06-27Contingent$148,900
2021-06-09Price change$148,900
2021-05-06Listed for sale$149,900
2021-02-17Sold$36,000
2021-01-21Pending sale$19,500
2021-01-19Listed for sale$19,500

For Sale by Agent

AgentTATIANA SCHLIENZ
BrokerageSOUTHERN PORCH REAL ESTATE LLC

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