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234 Lagoda Dr, Locust, NC, 28097

5beds
3baths
2,926sqft
$533,500
$182price/sqft
$3,550/moest. monthly cost
$142,000/yrincome needed

About This Home

Major Price Reduction – Exceptional Value in a Desirable All-Brick Community! Nestled on a quiet corner lot in a desirable all-brick neighborhood, this beautifully maintained home offers the perfect combination of comfort, functionality, and privacy. Thoughtful updates and quality craftsmanship can be found throughout, creating a warm and inviting place to call home. Enjoy the benefit of lower property taxes compared to many Charlotte and Concord area communities. Located in an established neighborhood with mature trees and beautifully maintained homes, you'll enjoy a peaceful setting free from new construction traffic. The quiet streets create the perfect environment for morning walks, evening strolls, or simply enjoying the charm and character that only a well-established community can offer. Conveniently located in Locust, you'll appreciate the small-town feel while remaining just minutes from shopping, dining, schools, and everyday conveniences. The main level features a spacious primary suite, an additional bedroom, dedicated office, laundry room, and two tastefully remodeled bathrooms. The primary bath serves as a private retreat with a walk-in shower and stunning standalone jetted tub. A second renovated bathroom offers a zero-threshold walk-in shower and oversized doorway, providing accessibility and convenience for guests or multi-generational living. The heart of the home is the beautifully appointed living area featuring custom hardwood cabinetry, granite countertops, tile backsplash, and a striking custom gas-log fireplace with remote control. Large windows along the rear of the home frame picturesque backyard views and fill the living spaces with natural light year-round. Upstairs, you'll find a comfortable second living area, two additional bedrooms, and an oversized full bath—offering flexibility for family, guests, hobbies, or work-from-home needs. Brand-new carpeting with a transferable lifetime warranty adds comfort and peace of mind, while four storage closets and pull-down attic access provide an abundance of storage rarely found in today's market. Step outside to enjoy one of the home's most impressive features—a private, fully fenced backyard surrounded by mature trees. The maintenance-free composite deck overlooks a peaceful wooded setting, creating the perfect space for morning coffee, entertaining, or simply unwinding after a long day. Additional highlights include a complete ADT security system, a two-car garage with a separate storage room, and HVAC systems maintained through the Morris Jenkins Priority Advantage program. Offering generous living space, thoughtful updates, exceptional storage, and a tranquil setting, this home truly has it all. If you've been searching for a home in an established neighborhood where mature landscaping, walkable streets, and quality construction come together, this exceptional property is one you won't want to miss. Schedule your showing today and experience everything this remarkable property has to offer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

9/10
Locust Elementary SchoolGrades K-51.9 mi
7/10
6/10
West Stanly High SchoolGrades 9-124.7 mi

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick Full

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Oven,Electric Range,Electric Water Heater,Microwave,Plumbed For Ice Maker,Refrigerator with Ice Maker,Self Cleaning Oven
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room,Main Level

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Soaking Tub,Walk-In Closet(s)
  • Door features: Insulated Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Gas Log,Living Room
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,926

Heating & Cooling

  • Heating features: Electric,Heat Pump,Zoned
  • Cooling features: Ceiling Fan(s),Central Air,Zoned

Interior Area

  • Total structure area: 2,926
  • Total interior livable area: 2,926 sqft

Primary Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Bath Grab Bars,Bath Raised Toilet,Roll-In Shower,Door Width 32 Inches or More

Details

  • Parcel number: 557603437516
  • Zoning: OPS
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Front Porch,Patio
  • Fencing: Back Yard

Lot

  • Lot size: 0.26 Acres
  • Features: Private,Wooded
  • Lot size dimensions: See attached survey

Parking

  • Total spaces: 6
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Side,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Cold Wave
Hurricane
Heat Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Stanly 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 $2,697$32,364
Home Insurance *$181$2,172
Property Taxes $400$4,800
Electricity $272$3,270
Total$3,550$42,600
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,714/yr
40% on housing$106,500/yr
45% on housing$94,666/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 28097$175
Stanly County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 28097$177
Stanly County$187

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
2026-07-27Price change$533,500
2026-06-22Price change$538,500
2026-06-03Price change$564,000
2026-05-16Listed for sale$569,000
2024-05-16Sold$500
2005-08-01Sold$32,000

For Sale by Agent

AgentRay Black
BrokerageRay Black Real Estate

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