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601 S Washington St, Shelby, NC, 28150

4beds
3baths
3,060sqft
$510,000
$167price/sqft
$3,509/moest. monthly cost
$140,360/yrincome needed

About This Home

Welcome to a rare opportunity to own a piece of Shelby's history. Situated on just over half an acre within the city limits, this charming historic home offers 4 bedrooms, 3 full bathrooms, and large, spacious rooms throughout. Rich in architectural appeal and classic craftsmanship, this property showcases the timeless character and elegance that make historic homes so desirable. Recent updates include a new roof with Leaf Gutter Guards installed in 2022, providing added peace of mind. Enjoy the convenience of in-town living with easy access to shopping, dining, parks, and everything Shelby has to offer. Don't miss your chance to own this beautiful historic home where historic charm meets everyday comfort.

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

6/10
Elizabeth ElementaryGrades PK-52.5 mi
4/10
Shelby MiddleGrades 6-81.6 mi
3/10
Shelby HighGrades 9-120.8 mi

Construction

Condition

  • Year built: 1930

Materials

  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Disposal,Electric Cooktop,Exhaust Fan,Microwave,Refrigerator,Wall Oven
  • Laundry features: In Kitchen,Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Sump Pump,Unfinished

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Bonus Room

  • Level: Upper

Dining Room

  • Level: Main

Features

  • Attic Other
  • Flooring: Carpet,Linoleum,Wood
  • Fireplace features: Gas Log,Living Room
  • Attic: Other
  • Finished area below ground: 0
  • Finished area above ground: 3,060

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Attic Fan,Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,060
  • Total interior livable area: 3,060 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 18281
  • Zoning: R6
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Waterfront features: None

Lot

  • Lot size: 0.51 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Cleveland 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 $2,578$30,936
Home Insurance *$228$2,736
Property Taxes $418$5,016
Electricity $285$3,420
Total$3,509$42,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,308/yr
40% on housing$105,270/yr
45% on housing$93,573/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 28150$124
Cleveland County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 28150$161
Cleveland County$162

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
2026-07-19Price change$510,000
2026-06-19Listed for sale$515,000
2022-05-23Sold$425,000
2022-04-13Contingent$425,000
2022-04-09Listed for sale$425,000

For Sale by Agent

AgentSandra Hendren
BrokerageColdwell Banker Mountain View

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