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406 Johnsfield Rd, Shelby, NC, 28150

4beds
6baths
4,768sqft
$849,000
$178price/sqft
$5,815/moest. monthly cost
$232,600/yrincome needed

About This Home

Seller is offering a $15,000 allowance for buyer's to conduct updates on the property at closing. This luxurious 4 bedroom, traditional brick home is located in the highly sought-after Johnsfield subdivision. Roof is approximately 2 to 3 years old. You are greeted by a beautifully landscaped yard with lots of space and privacy in the back. Upon entering this lovely home you will find plenty of natural light and crown molding throughout. The dining room is located to the left of the foyer, and the office is off to the right. The large living room features a gas log fireplace and leads onto the expansive deck with Chippendale railing. Enter the ideal kitchen for those who like to entertain. The custom kitchen has a massive island with Kenmore Pro-elite stainless steel appliances and new windows. The laundry room has lots of counterspace to fold clothes and a handy laundry chute from the second floor. The primary bedroom suite is located on the first floor and has an ensuite bathroom complete with jetted tub, shower and double sinks. Two separate powder rooms on the main level allow added convenience for entertaining. There are three bedrooms upstairs and a bonus room. One bedroom has its own ensuite bathroom, and the other two bedrooms share a bathroom. The partially finished basement has potential for expansion or extra living space. The lower-level living room has a woodburning fireplace. This room opens onto a fenced dog run that is located under the upper deck. There are 2 workshops, and plumbing has already been installed on the back wall. This home has been well-maintained and is ready for its new owner.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
Jefferson ElementaryGrades PK-51.2 mi
4/10
Shelby MiddleGrades 6-82.6 mi

Construction

Condition

  • Year built: 1993

Materials

  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Gas Water Heater,Oven,Refrigerator with Ice Maker,Wall Oven,Washer
  • Laundry features: Inside,Laundry Chute,Laundry Room,Main Level

Basement

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

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Main

Bathroom Half

  • Level: Basement

Bathroom Half

  • Level: Main

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 3
  • 1/2 bathrooms: 3
  • Main level bedrooms: 1

Bonus Room

  • Level: Upper

Dining Area

  • Level: Main

Dining Room

  • Level: Main

Family Room

  • Level: Basement

Features

  • Kitchen Island,Pantry,Walk-In Closet(s),Whirlpool
  • Flooring: Tile,Wood
  • Fireplace features: Family Room,Gas Log,Wood Burning,Other - See Remarks
  • Attic: Walk-In
  • Finished area below ground: 767
  • Finished area above ground: 4,001

Heating & Cooling

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

Interior Area

  • Total structure area: 4,001
  • Total interior livable area: 4,768 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 44322
  • Zoning: R10
  • Special condition: Standard
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Fencing: Partial
  • Waterfront features: None

Lot

  • Lot size: 0.95 Acres
  • Features: Cleared,Green Area,Wooded

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Faces Side,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: 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 $4,293$51,516
Home Insurance *$379$4,548
Property Taxes $699$8,388
Electricity $444$5,329
Total$5,815$69,780
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$199,371/yr
40% on housing$174,450/yr
45% on housing$155,066/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

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 28150$124
Cleveland County$144

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
2026-03-21Listed for sale$895,000
1993-10-15Sold$342,000

For Sale by Agent

AgentBarbara McLarty
BrokerageHoward Hanna Allen Tate Shelby

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