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12181 Oak Avenue, Bailey, NC, 27807

2beds
1baths
1,231sqft
$199,000
$162price/sqft
$1,534/moest. monthly cost
$61,360/yrincome needed

About This Home

Step into the perfect blend of historic charm and modern updates with this beautifully refreshed 1910 home in the heart of downtown Bailey. Offering 2 bedrooms, 1 bathroom, and 1,231 square feet of inviting living space, this move-in-ready home has been thoughtfully updated while preserving its timeless character. Enjoy refinished original hardwood floors, fresh interior and exterior paint, new windows, a brand-new roof, new luxury vinyl plank flooring in the kitchen, updated lighting and ceiling fans throughout, plus new countertops and appliances that make the kitchen shine. The beautifully renovated bathroom features a walk-in shower with timeless subway tile, adding a touch of modern elegance. Conveniently located in downtown Bailey, you'll love the small-town atmosphere with easy access to local amenities and less than a mile from US-264, providing an easy commute to Raleigh or Wilson. Connected to city water and sewer. This charming Bailey gem is ready to welcome you home.

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

5/10
Bailey ElementaryGrades PK-50.2 mi
8/10
Southern Nash MiddleGrades 6-86.6 mi
4/10
Southern Nash HighGrades 9-124.9 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Brick/Mortar,Block
  • Roof: Shingle
  • Construction materials: Block,Concrete,Wood Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Vented Exhaust Fan,Electric Oven,Refrigerator
  • Laundry features: Dryer Hookup,Washer Hookup,In Kitchen

Basement

  • Basement: None,Crawl Space

Bathroom1

  • Level: Main

Bedroom1

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Master Downstairs,High Ceilings,Ceiling Fan(s),Pantry,Walk-in Shower
  • Door features: Storm Door(s)
  • Flooring: Vinyl,Hardwood
  • Attic: Access Only

Heating & Cooling

  • Heating features: Propane,Gas Pack,Hot Water
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,231
  • Total interior livable area: 1,231 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 276417116247
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered,Front Porch,Rear Porch
  • Exterior features: Storm Doors
  • Fencing: None
  • Has view: Yes
  • View description: None
  • Waterfront features: None
  • Frontage type: See Remarks
  • Living area range: 1200 - 1399

Lot

  • Lot size: 0.43 Acres
  • Features: Open Lot
  • Lot size dimensions: 94 x 205.46 x 94 x 200

Parking

  • Parking features: Concrete,On Site

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 WeatherVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Tornado
Cold Wave
Drought
Hail
Hurricane
Heat Wave
Lightning
Strong Wind

FEMA Declared Disasters in Nash 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 $1,006$12,072
Home Insurance *$83$996
Property Taxes $245$2,940
Electricity $200$2,405
Total$1,534$18,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,594/yr
40% on housing$46,020/yr
45% on housing$40,906/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: 0.1%
0.1%
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 27807$141
Nash County$128

vs Homes Sold Last Month

Median $/sqft

ZIP 27807$169
Nash County$147

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
2026-07-27Listed for sale$199,000
2026-07-16Listing removed$199,000
2026-03-17Price change$159,000
2026-02-18Listed for sale$169,000
2018-05-25Sold$30,000
2007-11-29Sold$24,500

For Sale by Agent

AgentJeff Stone
BrokerageStone Auction & Realty

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