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381 Gray Ghost St, Benson, NC, 27504

3beds
2baths
1,258sqft
$289,900
$230price/sqft
$1,930/moest. monthly cost
$77,200/yrincome needed

About This Home

Buyers financing fell through! Appraised much higher than asking price. Beautifully updated 3-bedroom, 2-bath ranch with 1,258 sq ft, conveniently located near the Hwy 40/210 intersection. This home features a desirable split bedroom floor plan, brand new luxury vinyl plank flooring, fresh interior paint, and new landscaping for great curb appeal. The kitchen is equipped with stainless steel appliances, and the home offers a comfortable blend of carpet and LVP. Enjoy outdoor living on the back patio--perfect for relaxing or entertaining.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

8/10
4/10
West Johnston HighGrades 9-120.9 mi

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Microwave,Stainless Steel Appliance(s)

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,258

Heating & Cooling

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

Interior Area

  • Total structure area: 1,258
  • Total interior livable area: 1,258 sqft

Property

Details

  • Parcel number: 163400268705
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Has view: Yes

Lot

  • Lot size: 0.36 Acres

Parking

  • Total spaces: 2
  • Parking features: Open
  • Has uncovered spaces: Yes
  • Uncovered 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

  • Winter Weather
    Winter WeatherVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Johnston 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 $1,465$17,580
Home Insurance *$116$1,392
Property Taxes $149$1,788
Electricity $200$2,405
Total$1,930$23,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,171/yr
40% on housing$57,900/yr
45% on housing$51,466/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: 8.2%
8.2%
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

$230This listing

vs Other Active Listings

Avg $/sqft

ZIP 27504$148
Johnston County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 27504$188
Johnston County$184

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
2026-04-01Price change$289,900
2026-03-03Pending sale$275,000
2026-02-20Listed for sale$275,000
2026-01-06Sold$250,000
2025-12-16Price change$265,000
2025-11-13Price change$275,000
2025-11-06Price change$280,000
2025-11-03Price change$285,000
2025-10-30Price change$290,000
2025-10-24Price change$291,900
2025-10-16Price change$292,900
2025-10-10Price change$293,900
2025-10-09Price change$294,900
2025-10-02Price change$295,000
2025-09-25Price change$295,100
2025-09-18Price change$295,200
2025-09-11Price change$295,300
2025-09-04Price change$295,400
2025-08-28Price change$295,500
2025-08-22Price change$299,600
2025-08-14Price change$299,700
2025-08-07Price change$299,800
2025-06-30Price change$299,900
2025-06-11Listed for sale$309,900
2009-03-17Listing removed$129,952

For Sale by Agent

AgentJane Ball
BrokerageBe Home Realty

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