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John KurtzCharlotte · NC

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Belmont · Belmont, NC

107 Howe Street

Belmont, NC · 1,600 sqft

$440,000

  • 3Beds
  • 2.5Baths
  • 1,600SqFt
  • 1999Year
  • 62x126x104x130Lot

About this home

Live within walking distance of historic downtown Belmont, NC, in this 3-bedroom, 2.5-bathroom home located in the highly desirable Adams Bluff Subdivision. Ideal for outdoor enthusiasts, the property offers quick access to the Abbey Creek Greenway, located directly behind the home, which takes you straight to the Belmont Recreation Center and Kevin Loftin Park on the Catawba River. Inside, the main level offers a seamless open floor plan between the dining and living rooms, complete with a cozy gas-log fireplace and laminate wood flooring throughout. The large kitchen boasts extensive counter and cabinet storage, a classic tile backsplash, and stainless steel appliances, while a stylish sliding barn door leads to the main-floor laundry room and attached 2-car garage. Upstairs, the primary bedroom features an elegant tray ceiling and a walk-in closet, and the recently updated primary bath includes modern tile floors, a walk-in shower, and a new vanity cabinet with split sinks. Bedrooms 2 and 3 share a second updated bathroom with new tile, a fresh tub and tub surround, and a single-sink vanity. Notable capital improvements include a new HVAC system installed in 2021. The property faces open green space with access to the future greenway expansion, and features a large back deck with a gazebo that steps down to a brick paver patio and a fully fenced backyard. Belmont offers the small-town feel just 25 minutes west of Uptown Charlotte. Downtown offers restaurants, pubs, breweries, retail, parks, and family-friendly events all within walking distance. Don't let this one slip through your fingers!

Property details

Beds
3
Baths
2.5
SqFt
1,600
Lot
62x126x104x130
Year built
1999
Type
Single Family
Garage
2
Heating
Forced Air, Natural Gas
Cooling
Ceiling Fan(s), Central Air, Electric
Foundation
Slab
Flooring
Carpet, Laminate, Tile
HOA dues
$190 / yr

Features

  • Attic Stairs Pulldown
  • Cable Prewire
  • Open Floorplan
  • Walk-In Closet(s)

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$3,180/ month

Principal & interest
$2,725
Property tax (~0.85%)
$311
Homeowners insurance
$128
HOA dues
$15

Down payment

$22,000 down · $418,000 financed

Income to qualify (28% rule)

~$136,323 / 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.