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120 Carolina Ave, Oxford, NC, 27565

2beds
1baths
952sqft
$179,500
$189price/sqft
$1,383/moest. monthly cost
$55,320/yrincome needed

About This Home

Welcome to your own quiet, private cottage nestled beneath a beautiful old-growth canopy of trees. This charming home features an open floor plan and a wraparound deck that fills the main living space with abundant filtered natural light. The kitchen is equipped with a gas range, solid-surface countertops, a new dishwasher, and refrigerator, making it both functional and inviting. Fresh interior paint, new carpet, and luxury vinyl plank (LVP) flooring inside plus a new roof installed in 2026 make this an easy choice. Surrounded by woods on three sides, you'll enjoy the peaceful feeling of country living while still being conveniently located within the city limits of Oxford, and since the home is on well and septic, no city water bills. This unique property offers the perfect blend of privacy, comfort, and affordability.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
West Oxford ElementaryGrades PK-51.1 mi
3/10
4/10
J F Webb HighGrades 9-120.4 mi

Construction

Condition

  • Year built: 1946

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 1970

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Gas Range,Free-Standing Refrigerator
  • Laundry features: Laundry Closet

Bedrooms & Bathrooms

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

Features

  • Bathtub/Shower Combination,Kitchen/Dining Room Combination,Open Floorplan
  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 952

Heating & Cooling

  • Heating features: Central,Propane,None
  • Cooling features: Central Air,Gas

Interior Area

  • Total structure area: 952
  • Total interior livable area: 952 sqft

Property

Details

  • Parcel number: 191308897974
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Wrap Around
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Features: Hardwood Trees,Wooded

Parking

  • Parking features: Gravel

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

  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Drought
Hail
Hurricane
Heat Wave
Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Granville 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 $907$10,884
Home Insurance *$91$1,092
Property Taxes $185$2,220
Electricity $200$2,405
Total$1,383$16,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,417/yr
40% on housing$41,490/yr
45% on housing$36,880/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: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.7%
-4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 27565$146
Granville County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 27565$193
Granville 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
2026-07-25Listed for sale$179,500
1997-11-14Sold$63,000

For Sale by Agent

AgentJill Pike
BrokerageTriangle North Realty

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