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.


