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3004 Fieldstone Ln, Shelby, NC, 28152

5beds
3baths
2,917sqft
$382,000
$131price/sqft
$2,569/moest. monthly cost
$102,760/yrincome needed

About This Home

Court ordered sale with 10 day upset. House located in Riverbend Acres on golf course with a view of lake. 3 bedrooms and 2 baths on main floor and 2 bedrooms and 1 bath in basement. House was updated in 2022. According to appraiser the house has damage from Hurricane Helene in basement area.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

3/10
7/10
Crest High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1972

Materials

  • Roof: Composition
  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Basement

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Basement

Bedroom S

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Door features: Storm Door(s)
  • Window features: Storm Window(s)
  • Flooring: Tile,Other
  • Fireplace features: Living Room
  • Finished area below ground: 1,000
  • Finished area above ground: 1,917

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,917
  • Total interior livable area: 2,917 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 991
  • Zoning: RR
  • Special condition: Third Party Approval
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Other
  • Waterfront features: Pond

Lot

  • Lot size: 1.36 Acres
  • Features: On Golf Course,Pond(s)

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Parking Space(s),Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Hail
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 $1,931$23,172
Home Insurance *$177$2,124
Property Taxes $190$2,280
Electricity $271$3,260
Total$2,569$30,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,080/yr
40% on housing$77,070/yr
45% on housing$68,506/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

$131This listing

vs Other Active Listings

Avg $/sqft

ZIP 28152$127
Cleveland County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 28152$158
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
2026-04-26Listed for sale$382,000
2022-08-15Sold$315,000
2022-07-18Contingent$350,000
2022-06-20Listed for sale$350,000

For Sale by Agent

AgentJoyce Elliott
BrokerageHoward Hanna Allen Tate Shelby

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