Skip to content
John KurtzCharlotte · NC

View all 47 photos →

Belmont · Belmont, NC

10 Oak Street

Belmont, NC · 2,850 sqft

$869,900

Reduced from $890,000

  • 5Beds
  • 4Baths
  • 2,850SqFt
  • 2021Year
  • 170Days on market

About this home

Just moments from the vibrant heart of Belmont’s Main Street, this exceptional home offers the best of both worlds—unmatched convenience paired with a surprising sense of privacy. Enjoy being just seconds from dining, boutique shopping, parks, and year-round community events, all while tucked into a setting that feels peaceful and removed from the hustle.

The community enhances everyday living with HOA-maintained landscaping and land care, allowing for a low-maintenance lifestyle. Residents also enjoy shared green spaces and have access to several nearby parks, perfect for relaxing, gathering, or enjoying the outdoors.

Inside, the home showcases high-end finishes throughout, including thoughtfully incorporated architectural details crafted from materials sourced from historic Belmont—blending timeless character with modern design. The chef’s kitchen offers generous counter space and refined finishes, ideal for both everyday living and entertaining. The main level features 10-foot ceilings and an inviting living room centered around a gas-log fireplace, with direct access to a spacious screened-in patio—perfect for relaxing evenings, hosting friends, or enjoying the game. A dedicated dining room, private study, and full bathroom provide excellent flexibility for guests, remote work, or multi-purpose living.

Upstairs, 9-foot ceilings highlight the impressive primary suite with a walk-around soaking tub, walk-in shower, and ample storage. A large loft spans the length of the upper level, offering space for a media room, home office, or recreation area, while three additional bedrooms complete the home.

This is a rare opportunity to enjoy upscale comfort, low-maintenance living, and a prime Belmont location that keeps you connected—yet comfortably tucked away.

Property details

Beds
5
Baths
4
SqFt
2,850
Lot
Year built
2021
Type
Single Family
Days on market
170
Garage
2
Heating
Forced Air, Natural Gas
Cooling
Central Air
Foundation
Crawl Space
Flooring
Carpet, Laminate, Tile
HOA dues
$200 / mo

Features

  • Attic Stairs Pulldown
  • Built-in Features
  • Kitchen Island
  • Open Floorplan
  • Walk-In Closet(s)
  • Walk-In Pantry
  • Fire Pit
  • Lawn Maintenance

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$6,457/ month

Principal & interest
$5,387
Property tax (~0.85%)
$616
Homeowners insurance
$253
HOA dues
$200

Down payment

$43,495 down · $826,405 financed

Income to qualify (28% rule)

~$276,747 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.