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908 W Graham St, Shelby, NC, 28150

2beds
1baths
895sqft
$145,000
$162price/sqft
$1,118/moest. monthly cost
$44,720/yrincome needed

About This Home

Renovated & affordable! Located just minutes from uptown Shelby, the city park & Highway 74. Upgrades include new HVAC, windows, water heater, vinyl flooring, tiled bathroom floors, new tub/shower combo, all new fixtures throughout, fresh paint & new vinyl siding on the exterior! Schedule your showing today!

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
Elizabeth ElementaryGrades PK-53.5 mi
4/10
Shelby MiddleGrades 6-81.8 mi
3/10
Shelby HighGrades 9-121.5 mi

Construction

Condition

  • Year built: 1963

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Mud Room,Main Level

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 895

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 895
  • Total interior livable area: 895 sqft

Kitchen

  • Level: Main

Property

Details

  • Parcel number: 51720
  • Zoning: R8
  • Special condition: Undisclosed

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.12 Acres

Parking

  • Parking features: Driveway
  • 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

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Tornado
Inland Flooding

FEMA Declared Disasters in Cleveland 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 $733$8,796
Home Insurance *$64$768
Property Taxes $121$1,452
Electricity $200$2,405
Total$1,118$13,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,331/yr
40% on housing$33,540/yr
45% on housing$29,813/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: 9.0%
9.0%
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

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 28150$126
Cleveland County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 28150$161
Cleveland County$162

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
2026-08-14Contingent$145,000
2026-08-01Listed for sale$145,000
2013-05-30Sold$9,000
2009-10-19Sold$30,000

For Sale by Agent

AgentCallie Gold
BrokerageEXP Realty LLC

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