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1816 Country Garden Dr, Shelby, NC, 28150

6beds
6baths
6,232sqft
$985,000
$158price/sqft
$6,804/moest. monthly cost
$272,160/yrincome needed

About This Home

Freshly painted deck and interior! Roof and exterior pressure washed! This home is located in Country Club Gardens on 2.91 acres! Approach this home from the long private driveway. The stunning garden has landscape lighting and water features. Enjoy the oversized detached carport perfect for your RV. The large kitchen features an open floor plan to the LR for easy entertaining. Enter the formal dining room with wet bar for uninterrupted meals. 12+ FT ceilings on main. Exit onto the expansive deck and find plenty of built-in seating, overlooking the serene woods. The primary BR is large and set back from other living areas for added privacy. Enjoy the ensuite bathroom with three sinks, LED and fog proof mirrors, heated floors, plenty of closet space, soaking tub and a shower with additional shower heads for an immersive experience. Upstairs features three BR's and two upgraded BA's with ornate hardware and tiling that is carried throughout the other bathrooms. Walkout basement with kitchen, den, bedroom, fireplace and storage. Plenty of privacy for guests or live in housekeepers.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

7/10
Jefferson ElementaryGrades PK-51.7 mi
4/10
Shelby MiddleGrades 6-83.1 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Partial

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Interior Entry,Partially Finished,Storage Space,Walk-Out Access,Walk-Up Access

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Basement

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Basement

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Bonus Room

  • Level: Basement

Den

  • Level: Main

Dining Room

  • Level: Main

Features

  • Soaking Tub,Kitchen Island,Walk-In Closet(s)
  • Door features: French Doors
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Den,Wood Burning
  • Attic: Walk-In
  • Finished area below ground: 1,370
  • Finished area above ground: 4,862

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 4,862
  • Total interior livable area: 6,232 sqft

Kitchen

  • Level: Main

Kitchen

  • Level: Basement

Laundry

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Main

Primary Bedroom

  • Level: Main

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 40105
  • Zoning: R10
  • Special condition: Standard
  • Other equipment: Generator
  • Exclusions: Refrigerators,and oven in dirty kitchen
  • Horse amenities: None

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Deck,Enclosed,Front Porch,Glass Enclosed,Patio,Porch
  • Exterior features: In-Ground Irrigation
  • Fencing: Partial

Lot

  • Lot size: 2.91 Acres
  • Features: Green Area,Rolling Slope,Wooded

Parking

  • Total spaces: 2
  • Parking features: Detached Carport,Circular Driveway,Driveway,Attached Garage,Garage Faces Side,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Inland Flooding
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 $4,980$59,760
Home Insurance *$440$5,280
Property Taxes $804$9,648
Electricity $580$6,965
Total$6,804$81,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$233,280/yr
40% on housing$204,120/yr
45% on housing$181,440/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

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 28150$125
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)

No zestimate history available

Price History

DateEventPrice
2026-02-28Listed for sale$995,000
2025-11-01Listing removed$1,150,000
2025-09-05Price change$1,150,000
2025-03-14Listed for sale$1,200,000

For Sale by Agent

AgentBarbara McLarty
BrokerageHoward Hanna Allen Tate Shelby

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