3020 Silver St, Morganton, NC 28655
FOR SALE
3D VIEW
0.95 ACRES

3020 Silver St
Morganton, NC 28655

  • 2 Beds
  • 2.5 Baths
  • 1,854 sqft (on 0.95 acres)

$375,000

Est. Mortgage $2,171/mo*
Get Pre-Qualified

$375,000

Est. Mortgage $2,171/mo*
Get Pre-Qualified
2 Beds
2.5 Baths
1,854 sqft
(on 0.95 acres)
We estimate this home will sell faster than 83% nearby.

Local Information

  • Map ViewExplore the area around 3020 Silver St.
  • Schools1 Preschool School1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

Description

Mountain living meets opportunity in this thoughtfully maintained Silver Creek Community retreat. Whether you're seeking a full-time residence, a weekend escape, or an investment property, this home offers a rare combination of community amenities, comfortable living space, and versatility.

The main level is designed for easy mountain living, featuring an open flow between the living, dining, and kitchen areas, two bedrooms, a full bath, and seamless access to the expansive covered front porch and rear deck. Take in long-range mountain views while enjoying morning coffee surrounded by nature, spectacular sunsets, and the peaceful setting that draws so many to the South Mountains.

A standout feature of the home is the expansive heated and cooled lower level. Already finished with drywall walls, baseboards, a recreation room, additional rooms, a full bath, and durable finished concrete floors, this space offers endless possibilities. Enjoy it immediately as a game room, bunk room, fitness area, workshop, hobby space, or additional gathering area, or easily elevate it further with LVP flooring and your own finishing touches. The foundation for additional living space is already in place.

Outdoor living is just as inviting, with a large covered front porch, rear deck, and lower covered patio creating multiple spaces to relax, entertain, and soak in the surrounding mountain scenery. For those who appreciate preparedness and self-sufficiency, the property also includes a backup water storage system designed to collect rainwater, with the ability to pump water into the home during power outages or emergency situations—an uncommon and valuable feature for mountain living.

Located within the desirable Silver Creek Community, owners enjoy access to a community pool, lodge, and common areas, while the POA maintains community roads and recreational facilities. Community permits short-term rental use, offering opportunities for personal enjoyment, income potential, or a combination of both.

An added bonus for those seeking even greater privacy or long-term potential: additional surrounding lots may be available for purchase separately, creating a unique opportunity to expand your footprint, preserve your privacy, protect your views, or establish a larger mountain retreat.

Perched high in the South Mountains, this property feels worlds away from the demands of everyday life while remaining within reach of Morganton, Marion, Lake James, South Mountains State Park, and countless outdoor recreation opportunities. The scenic drive home is part of the experience, rewarding you with the privacy, tranquility, and long-range mountain views that make mountain living so special. Combining breathtaking scenery, community amenities, preparedness features, and exceptional potential, this is a unique mountain retreat ready to be enjoyed for years to come.
We estimate this home will sell faster than 83% nearby.

Home Highlights

Parking
1 Car Garage
Outdoor
Porch, Deck
A/C
Heating & Cooling
HOA
$50/Monthly
Price/Sqft
$202
Listed
11 days ago

Home Details for 3020 Silver St

Active Status

MLS Status: Active

Interior Features

Interior Details
Basement: Basement Garage Door,Basement Shop,Interior Entry,Storage Space,Walk-Out Access,Walk-Up AccessNumber of Rooms: 9Types of Rooms: Primary Bedroom, Bedroom S, Bathroom Half, Bathroom Full, Bonus Room, Flex Space, Kitchen, Living Room
Beds & Baths
Number of Bedrooms: 2Main Level Bedrooms: 2Number of Bathrooms: 3Number of Bathrooms (full): 2Number of Bathrooms (half): 1
Dimensions and Layout
Living Area: 1854 Square Feet
Appliances & Utilities
Utilities: Electricity Connected, Satellite Internet AvailableAppliances: Dishwasher, Electric Oven, Microwave, RefrigeratorDishwasherLaundry: In Bathroom,Main LevelMicrowaveRefrigerator
Heating & Cooling
Heating: CentralHas CoolingAir Conditioning: Central AirHas HeatingHeating Fuel: Central
Gas & Electric
Has Electric on Property
Windows, Doors, Floors & Walls
Door: Sliding DoorsFlooring: Concrete, Laminate, Wood
Levels, Entrance, & Accessibility
Stories: 1Levels: OneFloors: Concrete, Laminate, Wood
View
Has a ViewView: Long Range, Mountain(s), Year Round

Exterior Features

Exterior Home Features
Roof: MetalPatio / Porch: Covered, Deck, Front Porch, Rear Porch
Parking & Garage
Number of Garage Spaces: 1Number of Covered Spaces: 1No CarportHas a GarageHas an Attached GarageHas Open ParkingParking Spaces: 1Parking: Driveway,Attached Garage
Pool
Pool: Community
Frontage
Responsible for Road Maintenance: Private Maintained RoadRoad Surface Type: Gravel
Water & Sewer
Sewer: Septic Installed
Surface & Elevation
Elevation: 2500 FeetElevation: 2500Elevation Units: Feet
Finished Area
Finished Area (above surface): 1210 Square FeetFinished Area (below surface): 644 Square Feet

Days on Market

Cumulative Days on Market: 6Days on Market: 11

Property Information

Year Built
Year Built: 2012
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceArchitecture: Cabin
Building
Construction Materials: LogNot a New ConstructionNo Additional Parcels
Property Information
Parcel Number: 1678985222

Price & Status

Price
List Price: $375,000Price Per Sqft: $202

Media

Location

Direction & Address
City: MorgantonCommunity: Silver Creek Springs
School Information
Elementary School: W.A. YoungJr High / Middle School: Table RockHigh School: Freedom

Agent Information

Listing Agent
Listing ID: 4394477

Building

Building Area
Building Area: 1210 Square Feet

Community

Community Features: ClubhouseNot Senior Community

HOA

HOA Name: Silver Creek Community POAHas an HOAHOA Fee: $50/Monthly

Lot Information

Lot Area: 0.95 acres

Listing Info

Special Conditions: Standard

Offer

Listing Terms: Cash, Conventional, VA Loan

Miscellaneous

BasementMls Number: 4394477Attribution Contact: carly.conley@kw.comAbove Grade Unfinished Area: 1210

Additional Information

Clubhouse
Last check for updates: about 9 hours ago
Listing Provided by: Carly Conley
Keller Williams Professionals
Source: Canopy MLS as distributed by MLS GRID, MLS#4394477
Also Listed on Canopy MLS as distributed by MLS GRID.

Market trends in Morganton

Last updated May 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$247K
$4.33KMoM
Sale-to-List Price
—
Price per sq ft
$162
$7MoM
Available listings
176
28MoM

Price History for 3020 Silver St

DatePriceEventSource
06/19/2026$375,000Listed For SaleCanopy MLS as distributed by MLS GRID #4394477
11/18/2016$130,000Sold
Canopy MLS as distributed by MLS GRID #B28567

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Comparable Sales for 3020 Silver St

Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
7025 Martin Ln, Morganton, NC
0.34
Single-Family Home
$338,000
05/19/26
3
2
1,233
6091 Nowlings Chapel Rd, Morganton, NC
2.16
Single-Family Home
$190,000
04/16/26
2
1
940
5894 Fisher Davis Rd, Morganton, NC
2.80
Single-Family Home
$265,000
02/09/26
2
2
1,064
3124 Clark Loop, Morganton, NC
2.68
Single-Family Home
$500,000
12/09/25
3
2
2,453
5872 Fisher Davis Rd, Morganton, NC
2.84
Single-Family Home
$190,000
10/29/25
3
1
1,337

Nearby homes

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Assigned Schools

These are the assigned schools for 3020 Silver St.
View nearby schools on GreatSchools
The GreatSchools Rating compares schools on a variety of school quality indicators including test scores, college readiness, equity and more. Learn more.

What Locals Say about Morganton

At least 148 Trulia users voted on each feature.

  • 84 % Say parking is easy

  • 81 % Say yards are well-kept

  • 80 % Say car is needed

  • 72 % Say it's dog friendly

  • 66 % Say there's holiday spirit

  • 58 % Say they plan to stay for at least 5 years

  • 58 % Say it's quiet

  • 58 % Say kids play outside

  • 52 % Say people would walk alone at night

  • 51 % Say there's wildlife

  • 49 % Say neighbors are friendly

  • 49 % Say streets are well-lit

  • 34 % Say it's walkable to restaurants

  • 33 % Say there are sidewalks

  • 32 % Say it's walkable to grocery stores

  • 29 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Ashleyjay1125
    "Morganton is small but it’s quite not a lot of crime, with a country like setting most anywhere you live. "
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  • Schafincow13
    "Great friendly people . Always something to do down town. Live bands you can hear from the house. Breweries near by. Movie theatre. Down town Morganton does trick r treating and also the churches do trunk r treating. We have an actual witch that lives near by. There are dog parks that you can take your fury friend to. Several festivals near by. Firework display in parks and other town close by."
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  • Prkrrp
    "We have lots of festivals throughout the year. Our town has several parades to celebrate different holidays. We several parks in the community that support local sports and out door activities. Lake James is also close by. Lake James is good for fishing, swimming and boating. "
    0
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  • Lisa B.
    "lots of dogs in the neighborhood. people clean up after pets. leashes used. it's a dog friendly community. "
    0
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  • Kellyrae0928
    "There is Tons of trails to walk, dog parks and greenway tracks! Most businesses are also dog friendly."
    1
    Flag
  • Bananasrock84
    "I feel very safe in my neighborhood. The neighbors are very friendly and helpful. I've never had to worry about my mail or packages going missing."
    0
    Flag
  • Shelly S.
    "We have a good community, low crime rate and genuinely nice friendly people. I know all of my neighbors, and we all try to lend a helping hand when needed. We may not live in Mayberry but we have a small town feel. "
    0
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  • Brandi N. P.
    "I live in Morganton in the Parkview Apartments and it is wonderful. Upkeep is always done in a timely manor, I feel safe at home. Really quiet neighborhood, walking distance to Bethel Park. Clean. Nice neighbors that become friends, we love it!"
    5
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  • Trulia User
    "I have lived in Morganton all of my life. It is a great place to live with lots of Southern charm. Small town environment meets the rural South."
    0
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  • Ryanpatrickpage
    "Great people! No crime in my neighborhood. Park nearby with dog park. Plenty of places to grocery shop."
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  • Sleepinbeauty305
    "I dont have kids so I have no idea. So sorry. It is how ever a good neighborhood and neighbors are friendly."
    0
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  • Sherry.young
    "Friday night Concerts on the square in downtown Morganton. Cute shops, restaurants and parks close by too. "
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  • kevinsimpsondc
    "I own a downtown condo with my wife. We both grew up in Morganton, both love it and both hope to retire and move back to Morganton! It's a great place to raise a family and offers many options for how the parents want to raise their children. Overall, you will get from it what you put into it..."
    6
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  • Dameronlyon
    "It's quiet peacefull,besides k9ds playing nearby at the school and in my neighborhood.Near the mountains and beautiful sights yet also close to town and shopping "
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  • Lyssaleigh1972
    "My husband retired from the navy, 20 year service and we moved here from Norfolk Virginia. It was difficult at first but we’ve been here for about 4 years now and I love it. My son goes to New Dimensions, best school in my opinion. We are looking for our forever home here in Morganton. "
    5
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  • Lyssa L.
    "easy access to everything. Interstate, shopping, movies, restaurants, brewing..ect. I have lived for about 4 years and I love it. The people are diverse and nice. good school and nice parks. "
    2
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  • Lindsay S.
    "There are very few rentals allowing dogs. However, dogs are fairly common and accepted in this neighborhood. "
    0
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LGBTQ Local Legal Protections

Carly Conley, Keller Williams Professionals
Based on information submitted to the MLS GRID as of 2026-06-30 03:48:20 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. Click here for more information
3020 Silver St, Morganton, NC 28655 is a 2 bedroom, 3 bathroom, 1,854 sqft single-family home built in 2012. This property is currently available for sale and was listed by Canopy MLS as distributed by MLS GRID on Jun 19, 2026. The MLS # for this home is MLS# 4394477.