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John KurtzCharlotte · NC

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Lincolnton · Lincolnton, NC

114 State Street

Lincolnton, NC · 1,065 sqft

$199,000

  • 3Beds
  • 2Baths
  • 1,065SqFt
  • 1990Year
  • 9Days on market

About this home

Back on the Market, no fault of the seller. This home qualifies for up to $20,000 in buyer assistance through preferred lender grant programs — including options for first-time buyers, community-serving professionals, and qualified middle-income buyers. Plus, certain FHA financing options may offer additional assistance with no income limits, depending on buyer qualifications. Funds are limited and available on a first-come, first-served basis. Charming single-level home that has been well-maintained and is truly move-in ready. Conveniently located near shopping and schools with no HOA, this property offers both flexibility and everyday convenience. The thoughtfully designed split-bedroom floor plan provides added privacy, while the living room and kitchen are enhanced by airy vaulted ceilings that create an open, inviting feel. Recent updates, including a roof installed in 2021 and HVAC components updated in recent years, add to the home’s overall value and appeal. Public water and sewer connections offer added reliability, and the home has been designed for low-maintenance living both inside and out. Priced at $199,000 and appraised at $225,000, this home presents a strong value opportunity and is well worth a look.

Property details

Beds
3
Baths
2
SqFt
1,065
Lot
Year built
1990
Type
Single Family
Days on market
9
Heating
Heat Pump
Cooling
Central Air
Foundation
Crawl Space

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,464/ month

Principal & interest
$1,232
Property tax (~1.05%)
$174
Homeowners insurance
$58
HOA dues

Down payment

$9,950 down · $189,050 financed

Income to qualify (28% rule)

~$62,769 / 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.