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Chris Pappalardo

Owner | The Chris Pappalardo Team | KW One

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4034 Oak Valley Dr , Stem, NC 27581
$345,000
Est. Payment: $1,838.65/mo
3 Bed
2 Bath
1520 Sqft
0.9 Acres
Status: active | Days on site: 26
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House Description

**UP TO $10,000 IN SELLER AND LENDER PAID CLOSING COSTS AVAILABLE! Don't miss this incredible opportunity to save thousands on your home purchase. This home is already priced $10,000 below a recent appraisal, giving you instant value from day one. Plus, qualified buyers may receive up to $10,000 in seller and lender paid closing costs (with preferred lender, Patrick Bayley, Mutual of Omaha Mortgage, NMLS #68956), making homeownership even more affordable. With exceptional value and significant savings, this is an opportunity you won't want to pass up! This beautifully updated 3-bedroom, 2-bath home, perfectly situated on a private 0.9-acre lot that offers the space and freedom you've been searching for. Fresh interior paint and luxury vinyl plank flooring create a stylish, move-in-ready interior, while the convenient main-level primary suite provides comfortable everyday living. The kitchen is designed to impress with granite countertops, upgraded stainless steel appliances, abundant cabinetry, and a bright breakfast nook. Gather with family and friends in the inviting family room featuring a cozy fireplace with custom built-ins, or host memorable dinners in the formal dining room. Step outside and enjoy your own backyard retreat with a covered front porch, an expansive rear deck, and a fully fenced yard that's perfect for entertaining, pets, gardening, or simply relaxing. The powered workshop and attached storage room offer endless possibilities for hobbies, projects, a home gym, or extra storage. A recently pressure-washed deck, freshly painted shed, and refrigerator that conveys add even more value. With minimal HOA restrictions and just a $150 annual road maintenance fee, you'll enjoy the flexibility to truly make this property your own. Offering the perfect combination of updates, privacy, and exceptional value, this home is ready to welcome its next owners.

Highlights

Listed by Terry Carpenter , Coldwell Banker HPW , Doorify MLS mls logo

Property Type

Residential

Lot/Acreage
0.9

HOA Fee

12.5 Annually

Year Built

1991

County

Granville

Neighborhood

Oak Valley Farms

Listing ID

10196789

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Air Cond:Central Air
Fireplaces:
Floor:Luxury Vinyl
Above Ground Sq Ft:1520
Water:Well

Exterior Features

Roof:Asphalt
Others:
  • ▪ Additional:Deck, Front Porch, Storage, Workshop
Sewer:Septic Tank
Principal Interest
$1,839
Taxes
$220
HOA
$13

Home Price

$345,000

Loan Details

30 yrs
7.013%

Down Payment

20%
$69,000
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:
$1,838.65

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,838.65 $219.94 $12.50 $2,071.08
Yearly $22,063.74 $2,639.25 $150.00 $24,852.99
Total $661,912.27 $79,177.50 $4,500.00 $745,589.77

Today's Rates

30 Year

7.01%

20 Year

7.03%

15 Year

6.39%

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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.

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Listings marked with an icon are provided courtesy of the Doorify MLS, Internet Data Exchange Database.
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Data last updated: 2026-11-02T01:57:31.000Z

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