See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

736 Country Club Dr, State Road, NC, 28676

2beds
1baths
1,000sqft
$285,000
$285price/sqft
$1,988/moest. monthly cost
$79,520/yrincome needed

About This Home

Located in North Carolina Wine Country, this charming, move-in-ready cottage is within walking distance of Cedarbrook Country Club and golf course. 2 bedrooms living room dining room. Kitchen with the most organized cabinets. main floor laundry. The second level can sleep 2 or more people, making it a wonderful artist retreat, home office or crafting area with its own mini-split heat pump, new windows, vinyl siding. The large lot has a storage barn and a man cave with a lot of potential, room for a garden. Minutes to restaurants, shopping, Elkin parks and trails, Reeves Theater, and the Elkin Downtown historic district. Medical centers and hospital. Vineyards to enjoy in every direction. Cash sale preferred, proof of funds required. Property owners are real estate brokers and auctioneers. Property sells as is, where is. Make your highest and best first.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

3/10
T C Henderson ElementaryGrades PK-55.5 mi
8/10
Rosman MiddleGrades 6-89.4 mi
7/10
Rosman HighGrades 9-129.4 mi

Construction

Condition

  • Year built: 1938

Materials

  • Foundation: Crawl Space
  • Construction materials: Other

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Other
  • Laundry features: Other

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,000

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Loft

  • Features: Attic Finished
  • Level: Upper

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 495403203129
  • Zoning: RR
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.47 Acres

Parking

  • Parking features: Driveway
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Landslide
Lightning

FEMA Declared Disasters in Surry 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 $1,441$17,292
Home Insurance *$171$2,052
Property Taxes $176$2,112
Electricity $200$2,405
Total$1,988$23,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,160/yr
40% on housing$59,640/yr
45% on housing$53,013/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: 8.1%
8.1%
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

$285This listing

vs Other Active Listings

Avg $/sqft

ZIP 28676$143
Surry County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 28676$168
Surry County$173

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
2026-04-01Listed for sale$285,000

For Sale by Agent

AgentDeborah Swift
BrokerageSwift Real Estate Specialists

Similar Homes