995 Shawtown Rd · Lillington, NC 27546

$215,000

3 bd · 1.5 ba · 1,348 sqft · SingleFamily public records · 40 Days on market

Built 1960 0.95 ac lot

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +16.1/30.0
• ARV discount +7.5/15.0
• DSCR +5.0/10.0
• Livability +3.6/5.0
• 1% rule +3.3/10.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investor Special! Priced to move for a cash offer, 995 Shawtown Rd in Lillington, NC is a 3-beds/2-bathsSFH offering immediate upside for the savvy investor. With new floors, new windows, and several key updates already completed, this property just needs your finishing touches to bring it to life. Being sold as-is, it's a fantastic opportunity to capitalize on the growing Lillington market. Inside, you'll find a cozy living room with a fireplace, a spacious kitchen, and plenty of room to create the layout and style you envision. Outside, a carport offers convenient parking. Whether you're looking to flip, rent, or customize, this project-ready home is full of potential!

Key facts

• Refreshed interior
• Nearly an acre
• Updated windows

Tags

• MID-CENTURY BRICK RANCH
• NEARLY AN ACRE
• MATURE TREES
• REFRESHED INTERIOR
• LUXURY VINYL PLANK FLOORING
• UPDATED WINDOWS

Property features AI

Finance

• Other: Zoned RA-20R; County road frontage with paved, publicly maintained road access; Directions available
• HOA & community: No association

Exterior

• Parking: Attached carport (1 covered space); Open/off-street parking (about 8 spaces); Oversized driveway, concrete surface; Total parking for 9 vehicles
• Utilities: Public water; Septic tank; Electricity connected; Cable available
• Home design: Site-built house; One level; Faces west; Updated / remodeled condition
• Construction: Brick construction; Block foundation; Shingle roof; Built as a single-family house
• Exterior features: Approximately 0.95-acre lot; Brush, grassed and partially wooded vegetation; Storage structure on property; No pool or spa; No fencing

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Eat-in kitchen layout
• Bedrooms: Three bedrooms (all on the main level)
• Flooring: Luxury vinyl flooring
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Forced air heating; Heat pump; Central air; Ceiling fans for additional cooling
• Interior features: Bathtub/shower combination; Ceiling fans; Eat-in kitchen; Laminate counters; Smooth ceilings; Storage; Living room fireplace
• Laundry & utility: Main-level laundry room; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $215k.

Deal economics

• At list price, monthly cash flow is $111 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $178k (17.3% below list).
• Recommended offer: $178k (17.3% below list) — sets the bar for 1% rule.
• Cap rate 6.9% vs local median 4.0% in Lillington — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 71/100 on livability (#101 in NC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, amenities F, commute F.
• Harnett County Schools (rural): math 31% / reading 39% proficiency, ranked #130 of 178 in NC (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Lillington-Shawtown Elementary (math 23% / reading 30%, grade F, #1,073 of 1,410 statewide, top 77%, 694 students, 100% FRL); Harnett Central Middle (math 25% / reading 38%, grade F, #323 of 475 statewide, top 68%, 1,024 students, 63% FRL); Harnett Central High (math 43% / reading 51%, grade D-, #334 of 535 statewide, top 64%, 1,474 students, 56% FRL) — zoned schools average 73% FRL vs 51% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 834 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 2,080 units permitted in Harnett County in 2024 (12 in 5+ unit buildings).
• This rent runs 32% of the median local income ($67k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Harnett County population projected at +42% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 40 days — a 3% lower offer ($209k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $25k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $149k; 44% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 64% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $177,718 (17.3% below list)

Questions for the listing agent

1. It's been on market 40 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
2. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.83% ✗
• Cap rate: 6.91%
• Cash-on-cash: 2.22%
• DSCR: 1.10
• GRM: 10.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -12.8%
• Equity multiple: 0.54×
• Total profit: $-27,849
• Equity at exit: $32,057

10-year hold

• IRR: -3.9%
• Equity multiple: 0.74×
• Total profit: $-15,503
• Equity at exit: $18,589

Cash invested: $60,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 85 Strongly Landlord-Friendly
• State North Carolina: 85 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

10-day notice; preempted; landlord-favorable but court speed varies.

Methodology + full state rankings →

ZIP-level market 27546

• Home prices YoY: -14.4%
• Active inventory: 834
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $1,777 medium
• Mortgage (P&I): −$1,127
• Tax from tax record: −$76 /mo · $908/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$373
• Net cashflow: $111

Break-even live

Break-even rent $1,636

Max offer price $215,000

Occupancy floor 89%

Sensitivity live

Price	-10% $233	-5% $172	+0% $111	+5% $50	+10% $-11
Rent	-10% $-29	-5% $41	+0% $111	+5% $181	+10% $252
Rate	-1.0pp $219	-0.5pp $166	base $111	+0.5pp $55	+1.0pp $-1

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
299 Emilies Crossing Way Lillington, NC	3.0	2.0	1317	$1,649	$1.25	15d	1	0.76mi
101 Laura Ln Lillington, NC	3.0	2.0	1140	$1,290	$1.13	25d	1	1.47mi

Listing history 16 events

1. 2026-06-09
   status $215,000 Pending 40 DOM
2. 2026-06-08
   days on market $215,000 Active 40 DOM
3. 2026-06-07
   days on market $215,000 Active 39 DOM
4. 2026-06-05
   days on market $215,000 Active 36 DOM
5. 2026-06-03
   days on market $215,000 Active 35 DOM
6. 2026-06-02
   days on market $215,000 Active 34 DOM
7. 2026-06-01
   days on market $215,000 Active 33 DOM
8. 2026-05-31
   days on market $215,000 Active 32 DOM
9. 2026-05-30
   days on market $215,000 Active 31 DOM
10. 2026-05-14
    price $230,000
11. 2026-04-29
    listed $240,000 Active
12. 2025-05-22
    soldstatus $149,000 Sold 679-char remark

    Show marketing remark (679 chars)

    Investor Special! Priced to move for a cash offer, 995 Shawtown Rd in Lillington, NC is a 3-beds/2-bathsSFH offering immediate upside for the savvy investor. With new floors, new windows, and several key updates already completed, this property just needs your finishing touches to bring it to life. Being sold as-is, it's a fantastic opportunity to capitalize on the growing Lillington market. Inside, you'll find a cozy living room with a fireplace, a spacious kitchen, and plenty of room to create the layout and style you envision. Outside, a carport offers convenient parking. Whether you're looking to flip, rent, or customize, this project-ready home is full of potential!

13. 2025-05-22
    soldstatus $149,000

    Show marketing remark (679 chars)

    Investor Special! Priced to move for a cash offer, 995 Shawtown Rd in Lillington, NC is a 3-beds/2-bathsSFH offering immediate upside for the savvy investor. With new floors, new windows, and several key updates already completed, this property just needs your finishing touches to bring it to life. Being sold as-is, it's a fantastic opportunity to capitalize on the growing Lillington market. Inside, you'll find a cozy living room with a fireplace, a spacious kitchen, and plenty of room to create the layout and style you envision. Outside, a carport offers convenient parking. Whether you're looking to flip, rent, or customize, this project-ready home is full of potential!

14. 2025-05-16
    status Pending 679-char remark

    Show marketing remark (679 chars)

    Investor Special! Priced to move for a cash offer, 995 Shawtown Rd in Lillington, NC is a 3-beds/2-bathsSFH offering immediate upside for the savvy investor. With new floors, new windows, and several key updates already completed, this property just needs your finishing touches to bring it to life. Being sold as-is, it's a fantastic opportunity to capitalize on the growing Lillington market. Inside, you'll find a cozy living room with a fireplace, a spacious kitchen, and plenty of room to create the layout and style you envision. Outside, a carport offers convenient parking. Whether you're looking to flip, rent, or customize, this project-ready home is full of potential!

15. 2025-05-10
    listed $149,000 Active 679-char remark

    Show marketing remark (679 chars)

    Investor Special! Priced to move for a cash offer, 995 Shawtown Rd in Lillington, NC is a 3-beds/2-bathsSFH offering immediate upside for the savvy investor. With new floors, new windows, and several key updates already completed, this property just needs your finishing touches to bring it to life. Being sold as-is, it's a fantastic opportunity to capitalize on the growing Lillington market. Inside, you'll find a cozy living room with a fireplace, a spacious kitchen, and plenty of room to create the layout and style you envision. Outside, a carport offers convenient parking. Whether you're looking to flip, rent, or customize, this project-ready home is full of potential!

16. 2025-05-07
    soldstatus $84,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast NC · Resets to sale price

• Current annual tax: $908 · $76/mo
• Projected year-2 tax: $1,763 · $147/mo
• Expected delta: +$855/yr (+$71/mo · 94.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥106°F today · 17 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 64% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,326
• − Mortgage interest: −$12,043
• − Property taxes: −$908
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,706
• − Management: −$1,706
• − Depreciation: −$6,255
• Taxable loss: −$2,367
• Est. tax savings @ 24.0%: +$568
• After-tax cash flow: $1,903/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Harnett County Schools
• NCES district ID: 3702010
• Math proficiency: 31% ▼ -2.00%
• Reading proficiency: 39% ▼ -1.00%
• Median HH income: $45,400
• Composite: 29.88/100
• National rank: #6397
• State rank: #130 of 178 in NC

Livability — Lillington

• Score: 71/100
• State rank: #101
• US rank: #6653

Category grades

Amenities F Commute F Cost of living A+ Crime B+ Employment C- Housing A+ Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Harnett County · 125,715 people
• City population: 21,419
• Metro: Fayetteville, NC
• Population (ZIP): 21,419
• Household income: $66,746
• Rent vs Own: 32.9% rent · 67.1% own
• Severe rent burden: 642.0

Population outlook (Harnett County) Hauer SSP2

• Today (2025): 153,758 people
• By 2030: 166,581 · +8.3%
• By 2040: 192,741 · +25.4%
• By 2050: 218,332 · +42.0%
• By 2075: 275,422 · +79.1%
• By 2100: 313,511 · +103.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 64% Black 16% Hispanic / Latino 14% Two or more races 9% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 3%
• Common ancestry: Slovak 3% Serbian 2% Italian 2%
• Foreign-born: 5% · Canada, Jamaica, China
• Languages at home: 90% English-only · Spanish 9%

Political lean MEDSL · Harnett

• 2024 margin: Strong R (+25.1) · D 36.9% · R 62.0% · Other 1.1%
• 2008→2024 swing: -8.4pp toward R · 2008: -16.7pp · 2024: -25.1pp
• All cycles: 2024: R+25.1 2020: R+22.4 2016: R+24.1 2012: R+19.4 2008: R+16.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -33.35%
• Current HPI: 198.2885
• Rent YoY: —
• Metro: Fayetteville, NC
• State GDP YoY: ▲ 3.28%
• F500 in state: 26

Industry mix (Fortune 500 HQ in NC)

Industry	F500 HQs	Revenue
▸Financial Services	2	$213B
▸Retail	2	$95B
▸Industrial Conglomerate	1	$38B
▸Metals / Steel	1	$35B
▸Utilities	1	$30B
▸Industrial Machinery	1	$19B

Price history

+172.2% since first listed

7 events — show timeline

• 2026-05-14 Price Changed $230,000 TMLS
• 2026-04-29 Listed $240,000 TMLS
• 2025-05-22 Sold (Public Records) $149,000 Public Records
• 2025-05-22 Sold (MLS) $149,000 TMLS
• 2025-05-16 Pending — TMLS
• 2025-05-10 Listed $149,000 TMLS
• 2025-05-07 Sold (Public Records) $84,500 Public Records

Property tax history

+6.1%/yr

Latest (2025): $908 · +1.3% YoY. Source: county tax records.