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John KurtzCharlotte · NC

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Vale · Vale, NC

4438 Reepsville Road

Vale, NC · 792 sqft

$194,900

  • 2Beds
  • 1Baths
  • 792SqFt
  • 1901Year

About this home

Completely remodeled country cottage in the heart of Western Lincoln County! Don’t let the square footage fool you — this beautifully updated home offers a spacious feel, cozy charm, and plenty of functionality both inside and out. Nestled on a beautiful open lot in Vale, this move-in ready property features an inviting covered front porch perfect for relaxing and enjoying peaceful country views. Inside, you’ll find hardwood floors throughout the living room, hallway, and both bedrooms, a cozy brick fireplace, and a warm welcoming atmosphere. Major updates have already been completed including updated electrical and plumbing, newer roof in 2015, and a brand-new HVAC system installed in 2024 for added peace of mind. Outside features include a concrete driveway and a large detached metal building/carport installed in 2022, ideal for storage, hobbies, workshop space, or entertaining. Offering 792 heated square feet plus an additional 102 square feet of unfinished space, this home combines comfort, character, and country living while remaining convenient to Lincolnton, Hickory, Charlotte, and surrounding areas. All of this for under $200,000 at only $194,900!

Property details

Beds
2
Baths
1
SqFt
792
Lot
Year built
1901
Type
Single Family
Heating
Electric, Heat Pump
Cooling
Ceiling Fan(s), Central Air
Foundation
Crawl Space
Flooring
Linoleum, Marble, Wood

Features

  • Storage

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,434/ month

Principal & interest
$1,207
Property tax (~1.05%)
$170
Homeowners insurance
$56
HOA dues

Down payment

$9,745 down · $185,155 financed

Income to qualify (28% rule)

~$61,476 / 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.