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2124 Shoal Rd, Lincolnton, NC, 28092

2beds
2baths
1,518sqft
$239,900
$158price/sqft
$1,660/moest. monthly cost
$66,400/yrincome needed

About This Home

Beautifully renovated home offering modern comfort and timeless charm on approximately 1.19 acres in a peaceful Lincolnton setting! This thoughtfully updated 2 bedroom, 2 bathroom residence features a bright and inviting layout with fresh finishes throughout. The completely renovated interior includes updated flooring, stylish fixtures, and a refreshed kitchen designed for both everyday living and entertaining. Both bathrooms have been fully updated, creating a clean and contemporary feel. A brand new HVAC system provides year-round comfort and efficiency. Natural light fills the living spaces, highlighting the home's open feel and tasteful upgrades. The home is complemented by a distinctive terra cotta roof, adding character and durability while enhancing the property’s unique appeal. The 1.19-acre property provides ample outdoor space for relaxing, gardening, recreation, or enjoying the surrounding natural setting while still offering convenient access to local shopping, dining, and everyday amenities. A wonderful blend of modern updates, comfortable living, and spacious land ready to enjoy.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

6/10
Norris S Childers ElGrades PK-53.7 mi
4/10
West Lincoln MiddleGrades 6-83.3 mi
5/10
West Lincoln HighGrades 9-123.5 mi

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Stucco,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Refrigerator
  • Laundry features: In Kitchen,Main Level

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,518

Heating & Cooling

  • Heating features: Central
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 1,518
  • Total interior livable area: 1,518 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 14262
  • Zoning: R-T
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Front Porch

Lot

  • Lot size: 1.09 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • 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
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado
Cold Wave
Drought
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 $1,213$14,556
Home Insurance *$98$1,176
Property Taxes $149$1,788
Electricity $200$2,405
Total$1,660$19,920
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,914/yr
40% on housing$49,800/yr
45% on housing$44,266/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

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 28092$169
Lincoln County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28092$183
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)

No zestimate history available

Price History

DateEventPrice
2026-04-24Listed for sale$249,900
2026-03-09Listing removed$249,900
2026-03-06Listed for sale$249,900
2025-11-19Listing removed$129,800
2025-10-17Price change$129,800
2025-10-08Listed for sale$129,900
2025-10-01Listing removed$129,900
2025-09-23Price change$129,900
2025-08-08Price change$139,900
2025-06-13Price change$149,900
2025-05-14Price change$197,900
2025-03-19Listed for sale$198,900
2024-11-05Sold$100,000
2022-11-17Listing removed--
2022-10-06Listed for sale$99,900
2022-09-28Listing removed--
2022-09-12Pending sale$99,900
2022-08-03Price change$99,900
2022-07-29Price change$109,900
2022-07-14Listed for sale$119,900
2021-09-03Sold$50,000

For Sale by Agent

AgentChristina Parker
BrokerageTrelora Realty INC

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