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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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2816 Mercantile Ct , Clayton, NC 27520
$289,900
Est. Payment: $1,485.01/mo
3 Bed
2 Bath
1335 Sqft
Status: active | Days on site: 122
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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Terri Bias
Operator/Brokerage Owner

House Description

This ranch-style home offers more space and flexibility than you might expect, living comfortably like a four-bedroom with a versatile flex room with a closet currently used as a fourth bedroom. Recent improvements include a new HVAC system, roof, flooring throughout, Bluetooth ceiling fans, and other thoughtful updates that add comfort and function from day one. Inside, enjoy the ease of one-level living and an open, comfortable feel highlighted by vaulted ceilings in the spacious living room. The primary suite offers its own sense of retreat with a vaulted ceiling, bay window, and private bath filled with natural light. Secondary bedrooms, the flex room, and connected living spaces give you the freedom to create what works for you—whether that's additional sleeping space, a home office, guest room, hobby space, or simply more room for everyday life. Outside is where this property offers something increasingly hard to find: nearly an acre of land, a quiet cul-de-sac setting, and no HOA. The spacious .92-acre lot includes a fenced backyard and two detached storage sheds, giving you plenty of room for gardening, entertaining, lawn equipment, seasonal storage, and hobbies. Large workbenches provide dedicated space for projects and repairs, while well water and septic mean no monthly water or sewer bill. The location adds even more to enjoy. Situated near some of the area's most sought-after schools and approximately 2.6 miles from the new Johnston County Regional Park, you'll have convenient access to pickleball and basketball courts, fishing, walking trails, and more—all while remaining within easy reach of Clayton and surrounding communities. Offered as-is and priced with opportunity in mind, this home combines recent major improvements (paint, flooring, etc.) with the chance to add your own personal finishing touches. Whether you're looking for a primary residence with room to spread out or a property with investment potential, it's a compelling opportunity in a growing area.

Highlights

Listed by Rob Zelem , 919-906-3793 LPT Realty, LLC , 877-366-2213. Triangle MLS, Inc. of North Carolina mls logo

Property Type

Residential

Lot/Acreage
0.92

Year Built

1992

County

Johnston

Neighborhood

South Plantation

Listing ID

10162662

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Water Heater
Air Cond:Central Air
Fireplaces:
Floor:Laminate,Vinyl
Above Ground Sq Ft:1335
Below Ground Sq Ft:0
Other:
  • Additional:Bathtub/Shower Combination, Ceiling Fan(s), Vaulted Ceiling(s)
Water:Well

Exterior Features

Lot:Back Yard,Cul-De-Sac,Front Yard,Hardwood Trees,Landscaped
Zoning:RAG
Roof:Shingle
Others:
  • Additional:Fenced Yard, Private Yard, Deck, Front Porch
Sewer:Septic Tank
Parking Features:Driveway,Gravel,Open
Principal Interest
$1,485
Taxes
$142

Home Price

$289,900

Loan Details

30 yrs
6.625%

Down Payment

20%
$57,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,485.01

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,485.01 $142.42 $0.00 $1,627.43
Yearly $17,820.11 $1,709.04 $0.00 $19,529.15
Total $534,603.31 $51,271.20 $0.00 $585,874.51

Today's Rates

30 Year

6.63%

20 Year

6.38%

15 Year

6%

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Market insight data is pulled from the same city as the listing being viewed (Clayton, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information Not Guaranteed.
Listings marked with an icon are provided courtesy of the Triangle MLS, Inc. of North Carolina, Internet Data Exchange Database.
©2026 Triangle MLS, Inc. of North Carolina. All rights reserved.

Data last updated: 2026-08-24T15:38:14.000Z

© 2026 Triangle MLS, Inc. of North Carolina

MLS Logo - Triangle MLS, Inc. of North Carolina