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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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4034 Oak Valley Dr , Stem, NC 27581
$349,500
Est. Payment: $1,790.31/mo
3 Bed
2 Bath
1420 Sqft
Status: active | Days on site: 123
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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Terri Bias
Operator/Brokerage Owner

House Description

PRICE IMPROVEMENT! List price is now below a recent appraised value. Beautifully updated 3 bedroom, 2 bath home nestled on a spacious and private 0.9 acre lot offering the perfect combination of comfort, charm, and functionality. This inviting home features a desirable floor plan with the primary suite conveniently located on the main level. Inside, you'll find fresh interior paint and luxury vinyl plank flooring throughout, creating a clean and modern feel from the moment you walk in. The kitchen is designed for both everyday living and entertaining, complete with granite countertops, upgraded stainless steel appliances, abundant cabinet space, and a bright breakfast nook overlooking the backyard. The cozy family room features a fireplace framed by custom built-in shelving, creating a warm and welcoming gathering space. Additional built-ins upstairs provide extra character and storage, while the formal dining room offers the perfect setting for holiday meals, dinner parties, or family gatherings. Step outside and enjoy everything this incredible property has to offer. Relax on the charming covered front porch or entertain guests on the massive back deck overlooking the fully fenced backyard. The beautifully landscaped yard provides plenty of space for pets, gardening, recreation, or simply enjoying the peaceful surroundings. An attached storage room and a powered workshop/shed offer endless possibilities for hobbies, a home gym, workshop space, or additional storage. The refrigerator conveys with the home, making this move-in ready property even more appealing. With minimal HOA restrictions and a low annual fee of just $150 for road maintenance, you'll enjoy both flexibility and affordability. This property offers the space, updates, and outdoor living areas that are hard to find all in one place. Shed was recently painted and deck pressure washed. Special financing available with TowneBank Mortgage. Reach out to Marisa Morgan at 239-470-5012 for more information.

Highlights

Listed by Terry Carpenter , 919-475-5002 Coldwell Banker HPW , 919-467-1882. Triangle MLS, Inc. of North Carolina mls logo

Property Type

Residential

Lot/Acreage
0.9

HOA Fee

150 Annually

Year Built

1991

County

Granville

Neighborhood

Oak Valley Farms

Listing ID

10161931

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Air Cond:Central Air
Fireplaces:
Floor:Vinyl
Above Ground Sq Ft:1420
Below Ground Sq Ft:0
Water:Well

Exterior Features

Roof:Asphalt
Others:
  • Additional:Deck, Front Porch
Sewer:Septic Tank
Principal Interest
$1,790
Taxes
$192
HOA
$150

Home Price

$349,500

Loan Details

30 yrs
6.625%

Down Payment

20%
$69,900
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:
$1,790.31

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,790.31 $192.28 $150.00 $2,132.59
Yearly $21,483.71 $2,307.36 $1,800.00 $25,591.07
Total $644,511.40 $69,220.80 $54,000.00 $767,732.20

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 (Stem, 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: 2026-08-24T13:40:36.000Z

© 2026 Triangle MLS, Inc. of North Carolina

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