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John KurtzCharlotte · NC

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Morganton · Morganton, NC

214 Howard Street

Morganton, NC · 1,440 sqft

$350,000

Reduced from $395,000

  • 3Beds
  • 2Baths
  • 1,440SqFt
  • 1973Year
  • 309Days on market

About this home

Taken down to the studs and rebuilt with care, this downtown Morganton home is the true definition of move-in ready. This 3-bedroom, 2-bath home offers comfortable living all on the main level—yes, that includes laundry. Thoughtfully remodeled with all-new plumbing, electrical, HVAC, added insulation, a water filtration system, and a whole-house fan, the home is designed for year-round comfort and efficiency.

The main level features a bright, open kitchen with custom finishes and a spacious island that flows seamlessly into the living area—perfect for entertaining. Offering both convenience and charm, the wine and coffee bar provides additional prep space and opens to the screened-in porch, creating a cozy year-round spot to relax outdoors. Down the hall, the primary ensuite features a walk-in jetted tub, while two additional bedrooms and a full hall bath complete the main level.

The full unfinished basement offers future potential, generous storage and is accessible by both walk-out and walk-up entrances—ideal for a studio, home gym, workshop, or simply additional space. The front flower bed is filled with native, low-maintenance plants that support local pollinators. All the hard work is done, and this home is ready for its next chapter!

Property details

Beds
3
Baths
2
SqFt
1,440
Lot
Year built
1973
Type
Single Family
Days on market
309
Heating
Heat Pump
Cooling
Central Air
Foundation
Basement

Features

  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Wet Bar

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$2,575/ month

Principal & interest
$2,167
Property tax (~1.05%)
$306
Homeowners insurance
$102
HOA dues

Down payment

$17,500 down · $332,500 financed

Income to qualify (28% rule)

~$110,399 / 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.