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2442 Smith Cove Rd, Denver, NC, 28037

5beds
4baths
4,058sqft
$785,000
$193price/sqft
$4,968/moest. monthly cost
$198,720/yrincome needed

About This Home

Welcome to an entertainer’s paradise in the sought-after, partial waterfront community of Smithstone! Designed with flexibility and comfort in mind, this exceptional home features two spacious primary suites—one on the main level with direct access to the backyard retreat and another upstairs—making it ideal for multi-generational living, a live-in nanny, or accommodating long-term guests. The main-level primary suite offers a luxurious oversized walk-in shower and an expansive walk-in closet. Upstairs, the second primary suite features a stylish accent wall, a garden tub, separate shower, and a large walk-in closet complete with built-in storage. With over 4,000 square feet, this home boasts 5 bedrooms, a bonus room, and 3.5 bathrooms, providing plenty of space for family, work, and recreation. A stunning see-through fireplace creates a warm, inviting atmosphere shared between the family room and keeping room. Step outside to the true centerpiece of the property—a private backyard oasis featuring a beautiful pool surrounded by mature landscaping, irrigation, and lush plantings. Entertaining is effortless with the outdoor kitchen and bar area, and the seller is including patio furniture, pool equipment, the built in gas grill, and the Green Egg, allowing you to start enjoying the space from day one. Recent updates include: New Pergo laminate flooring throughout much of the home, new tile flooring in one upstairs bathroom, dishwasher and microwave less than six months old, fresh interior paint throughout most of the home, multiple built-in features for added functionality and charm. Located in the highly desirable Smithstone community in Denver, you'll enjoy convenient access to restaurants, breweries, grocery stores, and top-rated schools. Homes offering this combination of space, upgrades, resort-style outdoor living, and value are hard to find. Don't miss your opportunity—schedule your showing today! A one year home warranty is in place with America's Preferred Home Warranty. The pool is serviced weekly, even in winter months. The HVAC, two times a year and pest control is monthly. Please see attachments for a leak disclosure (that has been remediated).

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

8/10
4/10
East Lincoln MiddleGrades 6-85.8 mi
8/10
East Lincoln HighGrades 9-123.1 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Dryer,Gas Cooktop,Microwave,Refrigerator,Tankless Water Heater
  • Laundry features: Laundry Room,Lower Level

Bathroom Full

  • Features: Walk-In Closet(s)
  • Level: Upper

Bathroom Full

  • Features: Built-in Features
  • Level: Upper

Bathroom Full

  • Level: Main

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Bonus Room

  • Features: Attic Other,Built-in Features
  • Level: Upper

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Attic Other,Built-in Features,Soaking Tub,Kitchen Island,Pantry,Walk-In Closet(s)
  • Door features: French Doors
  • Flooring: Laminate,Tile,Other
  • Fireplace features: Gas,See Through
  • Attic: Other,Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 4,058

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,058
  • Total interior livable area: 4,058 sqft

Kitchen

  • Features: Kitchen Island
  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Main

Other

  • Level: Main

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 80036
  • Zoning: PD-MU
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community,In Ground
  • Patio & porch: Awning(s),Patio
  • Exterior features: Outdoor Kitchen,Storage
  • Fencing: Back Yard

Lot

  • Lot size: 0.51 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Tornado
Strong Wind

FEMA Declared Disasters in Lincoln 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 $3,969$47,628
Home Insurance *$217$2,604
Property Taxes $405$4,860
Electricity $377$4,535
Total$4,968$59,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$170,331/yr
40% on housing$149,040/yr
45% on housing$132,480/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 8.5%
8.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 28037$256
Lincoln County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28037$230
Lincoln County$204

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
2026-08-06Price change$765,000
2026-07-23Price change$785,000
2026-06-26Listed for sale$795,000
2023-06-30Sold$700,000
2023-04-28Listed for sale$699,900
2020-09-01Sold$466,000
2020-08-05Pending sale$460,000
2020-08-05Listed for sale$460,000

For Sale by Agent

AgentWisdom Stikeleather
BrokerageSouthern Homes of the Carolinas, Inc

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