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3870 Sage Ct, Denver, NC, 28037

3beds
2baths
1,318sqft
$265,000
$201price/sqft
$1,756/moest. monthly cost
$70,240/yrincome needed

About This Home

Welcome to a community designed for comfort and ease—where neighbors look out for one another and life moves at a pace you can truly enjoy. This inviting 55+ neighborhood offers low county taxes and no city taxes, so you can relax knowing your budget goes further. Conveniently close to Lake Norman, shopping, dining, and medical care, everything you need is just minutes away without the hustle of a large development. This well-kept 3-bed, 2-bath home provides just over 1,300 sq ft of single-level living—making daily routines simple and worry-free. The spacious kitchen with two pantries keeps everything neatly organized, while the nearby laundry area makes chores easy. Step out back to a quiet pond view where you can start your morning with coffee or unwind as the sun sets. Wide green spaces quiet streets invite a gentle evening stroll, and the smaller size of the neighborhood makes it easy to get to know friendly faces. If you’re ready for a home that offers peace of mind, true convenience, and a welcoming sense of community, this property delivers the lifestyle you deserve.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

8/10
Rock Springs ElementaryGrades PK-50.8 mi
6/10
North Lincoln MiddleGrades 6-84.8 mi
6/10
North Lincoln High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab
  • Construction materials: Brick Full

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave,Plumbed For Ice Maker
  • Laundry features: Electric Dryer Hookup,In Kitchen,Laundry Closet,Main Level,Washer Hookup

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Dining Area

  • Level: Main

Features

  • Breakfast Bar,Open Floorplan,Pantry,Walk-In Closet(s)
  • Flooring: Carpet,Linoleum,Hardwood,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,318

Heating & Cooling

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

Interior Area

  • Total structure area: 1,318
  • Total interior livable area: 1,318 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 84011
  • Zoning: R-S
  • Special condition: Standard
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Exterior features: Lawn Maintenance
  • Waterfront features: None

Lot

  • Lot size: 0.05 Acres
  • Features: Cleared,Level
  • Lot size dimensions: 27 x 73 x 27 x 73

Parking

  • Total spaces: 1
  • Parking features: Attached Carport,Driveway
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport 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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $1,339$16,068
Home Insurance *$73$876
Property Taxes $144$1,728
Electricity $200$2,405
Total$1,756$21,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,205/yr
40% on housing$52,680/yr
45% on housing$46,826/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

$201This 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
2026-03-16Listed for sale$265,000
2026-01-16Listing removed$275,000
2025-12-16Price change$275,000
2025-07-30Listed for sale$285,000

For Sale by Agent

AgentJanet Cox
BrokerageRE/MAX Lifestyle

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