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.


