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John KurtzCharlotte · NC

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Mount Holly · Mount Holly, NC

109 Elk Court

Mount Holly, NC · 2,765 sqft

$490,000

  • 4Beds
  • 3.5Baths
  • 2,765SqFt
  • 1993Year
  • 3Days on market

About this home

Welcome home to this spacious property on a large 0.83-acre lot in a community with no HOA. This versatile home offers a rare secondary living space in the fully finished basement, ideal for entertainment, multigenerational living, guests, or investment potential and updates such as all new double hung windows (less than 3 years old) making this a more move-in ready home for any buyer.

Walk under the covered front porch and step into a welcoming living room featuring a wood-burning fireplace. From the living room, walk through the french doors onto a large wood deck that overlooks the expansive, fully fenced backyard with a fire pit—perfect for entertaining, relaxing, or enjoying evenings outdoors.

The eat-in kitchen includes recently updated cabinets and appliances, providing a fresh and functional cooking space. A spacious laundry room with mud sink built-in cabinets and abundant storage adds everyday convenience and offers electric or gas dryer hook-ups giving you more options. The staircase and upstairs carpets have just been replaced, giving the upper level a clean, updated feel.

The second story hosts three bedrooms and two full bathrooms, including a spacious primary suite with a deep tray ceiling, walk-in closet, & garden-size soaking tub in a recently updated bathroom. Oversized windows in the primary bathroom face the secluded back yard allowing natural light to brighten your bathroom & offer outdoor gazing opportunity.

The fully finished basement functions as a true secondary living area, complete with living room and wood burning stove, a second kitchen, pantry, full bath, and bedroom. Accessing this area through the interior stairs or it's separate exterior door.

Property details

Beds
4
Baths
3.5
SqFt
2,765
Lot
Year built
1993
Type
Single Family
Days on market
3
Garage
2
Style
Traditional
Heating
Forced Air, Natural Gas
Cooling
Ceiling Fan(s), Central Air, Electric
Foundation
Basement
Flooring
Carpet, Vinyl, Wood

Features

  • Attic Stairs Pulldown
  • Cable Prewire
  • Pantry
  • Storage
  • Walk-In Closet(s)
  • Fire Pit

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$3,606/ month

Principal & interest
$3,034
Property tax (~1.05%)
$428
Homeowners insurance
$142
HOA dues

Down payment

$24,500 down · $465,500 financed

Income to qualify (28% rule)

~$154,559 / 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.