Spruce Pine · Spruce Pine, NC
162 Phillips Lane
Spruce Pine, NC · 680 sqft
$125,000
- 2Beds
- 1Baths
- 680SqFt
- 1950Year
- 1Days on market
About this home
This cottage is waiting for the right person, whether it be a handman, someone looking for a place to fix up and rent or if you are looking for a place to flip. It will be a great starter home or place to downsize to. In a quiet neighborhood and very convenient to downtown, doctors and hospital. City water and sewer. Nice yard with plenty of room for whatever your need is, be it a garden, play area for family or pets or space to entertain. Nice covered side porch for relaxing and enjoy the sounds of outdoor. Come have a look, it just might be what you have been looking for.
Property details
- Beds
- 2
- Baths
- 1
- SqFt
- 680
- Lot
- —
- Year built
- 1950
- Type
- Single Family
- Days on market
- 1
- Heating
- Oil
- Cooling
- None
- Foundation
- Basement
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance
$920/ month
- Principal & interest
- $774
- Property tax (~1.05%)
- $109
- Homeowners insurance
- $36
- HOA dues
- —
Down payment
$6,250 down · $118,750 financed
Income to qualify (28% rule)
~$39,428 / 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.