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John KurtzCharlotte · NC

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Troy · Troy, NC

220 N Russell Street

Troy, NC · 1,699 sqft

$239,000

Reduced from $249,000

  • 2Beds
  • 2Baths
  • 1,699SqFt
  • 1979Year
  • 59Days on market

About this home

Huge Price Adjustment! Enjoy easy one-level living in the heart of Troy, NC. This ranch home sits on a spacious, level lot just minutes from downtown shops, restaurants, medical facilities, and nearby Badin Lake and Lake Tillery. Inside, you’ll find 2 bedrooms, 2 full bathrooms, a comfortable living area with gas log fireplace, and a large utility/laundry room with built-in storage. The flexible floorplan offers potential for a third bedroom, office, hobby room, or additional living space to fit your needs. Step outside to enjoy the private screened porch overlooking the backyard, perfect for morning coffee or relaxing evenings. A detached workshop provides excellent space for hobbies, tools, storage, or weekend projects. With a little TLC, this home offers amazing potential, whether you’re looking for a primary residence, easy layout, or a peaceful small town retreat near the lakes, this property offers comfort, convenience, privacy and room to make it your own.

Property details

Beds
2
Baths
2
SqFt
1,699
Lot
Year built
1979
Type
Single Family
Days on market
59
Garage
1
Style
Ranch
Heating
Baseboard, Electric
Cooling
Ceiling Fan(s), Central Air
Foundation
Crawl Space
Flooring
Carpet, Linoleum

Features

  • Built-in Features

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,759/ month

Principal & interest
$1,480
Property tax (~1.05%)
$209
Homeowners insurance
$69
HOA dues

Down payment

$11,950 down · $227,050 financed

Income to qualify (28% rule)

~$75,387 / 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.