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405 W 21st St, Lumberton, NC, 28358

3beds
4baths
2,970sqft
$145,000
$49price/sqft
$1,235/moest. monthly cost
$49,400/yrincome needed

About This Home

Don't miss this opportunity to own a spacious 4-bedroom, 2 full bath and 2 half bath home in a highly desirable neighbourhood! Conveniently located just minutes away from top rated schools, shopping, dining and the hospital. This house features an excellent floor plan with generous size rooms and many closets and plenty of open space for family and entertainment. While it needs repairs and updating, it offers solid potential for homeowners looking to customize or investors seeking their next project. This house is being sold as-is. Schedule your showing today and imagine the possibilities.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

5/10
Tanglewood ElementaryGrades PK-30.5 mi
4/10
Lumberton Junior HighGrades 6-82.1 mi
5/10
Lumberton Senior HighGrades 9-121.3 mi

Construction

Condition

  • Year built: 1965

Materials

  • Construction materials: Asbestos,Attic/Crawl Hatchway(s) Insulated,Vinyl Siding

Type & Style

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

Interior

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Flooring: Hardwood,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Living Room

Heating

  • Heating features: Central

Interior Area

  • Total interior livable area: 2,970 sqft

Property

Details

  • Parcel number: 321304003
  • Special condition: None
  • Exclusions: NA

Features

  • Levels: Two
  • Stories: 2
  • Living area range: 2601-2800

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

  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Hurricane
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Robeson 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 $733$8,796
Home Insurance *$130$1,560
Property Taxes $96$1,152
Electricity $276$3,319
Total$1,235$14,820
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,342/yr
40% on housing$37,050/yr
45% on housing$32,933/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: 7.3%
7.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$49This listing

vs Other Active Listings

Avg $/sqft

ZIP 28358$113
Robeson County$107

vs Homes Sold Last Month

Median $/sqft

ZIP 28358$117
Robeson County$122

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
2026-07-30Listed for sale$145,000
2025-10-28Sold$150,000
2021-02-27Listing removed--
2020-07-20Listing removed$1,350
2020-07-15Listed for rent$1,350
2019-06-04Sold$50,000

For Sale by Agent

AgentSUSAN WALKER
BrokerageCOLDWELL BANKER PREMIER TEAM REALTY

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