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John KurtzCharlotte · NC

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Stanley · Stanley, NC

145 Upper Spencer Mountain Road

Stanley, NC · 2,039 sqft

$424,500

Reduced from $425,000

  • 2Beds
  • 2.5Baths
  • 2,039SqFt
  • 2005Year
  • 29Days on market

About this home

Welcome to this enchanting brick home situated on a picturesque .82 lot! The current owner - AND - only owner has taken meticulous care of this home and property; KEY highlights include: NEW Roof just completed on 5/15/26, Heat Pump & A/C (2024), Well Pump & Fence (2023) and an Encapsulated Crawl Space (2021). As you enter this home you'll notice the gleaming hardwood floors that run throughout and lead you into your cozy Living Room! Just beyond this room, you will gaze and fall in love your expansive screened-in porch (333 sq. ft.) which offers a delightful area to entertain in - or - to simply relax in with a refreshing beverage and a great book! The stunning Kitchen is a chef's delight with its deep and dramatic cabinetry, granite counters and stainless steel appliances! The Refrigerator conveys as well so you are all set! The Primary Bedroom is a true retreat and just steps away from that incredible porch! Of course, there's an en suite Bathroom with dual vanities, garden tub, shower and a spacious walk-in closet. The Guest Room and another Full Bathroom are on the other side of the home so everyone has privacy. The upstairs Bonus Room can be a game room, exercise room, etc. - you decide! The over-sized garage offers a finishing touch with its epoxy flooring. Water filtration system. This home and property is a must-see as it truly is a blend of comfort, style and enjoyment of the beautiful outdoors! Note: Professional pictures to be done once roof is completed.

Property details

Beds
2
Baths
2.5
SqFt
2,039
Lot
Year built
2005
Type
Single Family
Days on market
29
Garage
2
Heating
Heat Pump
Cooling
Ceiling Fan(s), Central Air
Foundation
Crawl Space
Flooring
Tile, Wood

Features

  • Entrance Foyer
  • Garden Tub
  • Kitchen Island
  • Split Bedroom
  • Walk-In Closet(s)

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$3,124/ month

Principal & interest
$2,629
Property tax (~1.05%)
$371
Homeowners insurance
$123
HOA dues

Down payment

$21,225 down · $403,275 financed

Income to qualify (28% rule)

~$133,898 / 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.