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John KurtzCharlotte · NC

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Spencer · Spencer, NC

115 Charles Street

Spencer, NC · 2,612 sqft

$400,000

Reduced from $410,000

  • 4Beds
  • 2.5Baths
  • 2,612SqFt
  • 1970Year
  • 40Days on market

About this home

Set on an expansive lot, this all-brick ranch offers space, function, and thoughtful updates throughout. Inside, the layout is surprisingly generous, featuring both formal and casual living areas along with abundant storage and beautiful hardwood flooring throughout the main spaces. The kitchen is built for everyday living, complete with granite countertops, stainless steel appliances, a tile backsplash, and under-cabinet lighting. Just off the kitchen, the family room creates a warm, inviting space centered around a wood-burning fireplace—perfect for relaxing or gathering. A separate formal living room and dining room provide additional flexibility for entertaining or quiet spaces. All four bedrooms are well-sized, including a spacious primary suite, and each offers double closets for practical storage. A combined mudroom and laundry area adds convenience with a half bath, while a private office with its own exterior entrance is ideal for working from home or hobbies. The basement expands your options with additional usable space, a second wood-burning fireplace, interior and exterior access, and a commercial-grade dehumidifier for year-round comfort. Behind the scenes, valuable upgrades enhance efficiency and peace of mind, including an air-sealed attic and basement, gutter guards, moisture barrier, and double-pane, double-hung windows. A well-rounded home with room to live, work, and entertain—inside and out.

Property details

Beds
4
Baths
2.5
SqFt
2,612
Lot
Year built
1970
Type
Single Family
Days on market
40
Heating
Electric, Heat Pump
Cooling
Ceiling Fan(s), Central Air, Heat Pump
Foundation
Basement, Crawl Space
Flooring
Carpet, Tile, Wood

Features

  • Built-in Features
  • Entrance Foyer
  • Storage

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$2,943/ month

Principal & interest
$2,477
Property tax (~1.05%)
$350
Homeowners insurance
$116
HOA dues

Down payment

$20,000 down · $380,000 financed

Income to qualify (28% rule)

~$126,171 / 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.