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397 Dumbarton St, Concord, NC, 28027

2beds
3baths
1,306sqft
$305,000
$234price/sqft
$2,083/moest. monthly cost
$83,320/yrincome needed

About This Home

Experience the convenience and charm of Afton Village in this 2-bedroom, 2.5-bath townhome, ideally located near local restaurants, shopping, the YMCA, and everything this vibrant community has to offer. Inside, you'll find a comfortable, functional floor plan with spacious living areas, two generously sized bedrooms, each with its own private bath, and the convenience of a main-level half bath for guests. The attached garage provides everyday practicality, while the inviting front patio offers the perfect spot to enjoy your morning coffee or unwind in the evening. This home can also be offered fully furnished—including all appliances—providing added flexibility for buyers looking for a primary residence, second home, or investment opportunity. Offering the perfect combination of location, lifestyle, and value, this townhome presents an excellent opportunity to personalize and make it your own while enjoying one of Concord's most desirable communities. Conveniently located near dining, shopping, and recreation, and thoughtfully priced to provide exceptional value, this is an opportunity you won't want to miss.

Getting Around

49
WalkingCar-Dependent
20
TransitMinimal Transit
33
BikeSomewhat Bikeable

Schools

9/10
7/10
6/10
West Cabarrus HighGrades 9-121.8 mi

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Slab
  • Construction materials: Brick Full

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Electric Range
  • Laundry features: Laundry Room

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,306

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,306
  • Total interior livable area: 1,306 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 56011061580000
  • Zoning: TND
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main

Lot

  • Lot size: 0.04 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Tornado
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Cabarrus 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 $1,542$18,504
Home Insurance *$92$1,104
Property Taxes $249$2,988
Electricity $200$2,405
Total$2,083$24,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,417/yr
40% on housing$62,490/yr
45% on housing$55,546/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: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 28027$184
Cabarrus County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 28027$205
Cabarrus County$199

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
2026-07-23Listed for sale$305,000
2018-01-29Sold$189,000
2008-03-31Sold$159,000

For Sale by Agent

AgentJason Adams
BrokerageSouthland, Realtors LLC

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