Spencer · Spencer, NC
503 4th Street
Spencer, NC · 2,705 sqft
$345,000
Reduced from $360,000
- 5Beds
- 2Baths
- 2,705SqFt
- 1905Year
- 158Days on market
About this home
Step into timeless Southern charm with this beautifully historic home, circa 1905, located in the heart of Spencer. From the moment you arrive, the inviting wrap-around porch—complete with a porch swing—sets the tone for the character found throughout. This home offers five bedrooms with generously sized rooms throughout the home... providing the perfect backdrop for gatherings, traditions, and lasting memories. Outdoors, enjoy a spacious rear deck overlooking a fully fenced yard, complete with a large powered storage shed. An exterior entrance to the unfinished basement offers convenient storage for tools, gardening equipment, or hobby space. Perfectly positioned near Spencer Library Park, local dining, and the NC Transportation Museum, this home blends historic character with everyday convenience and has even been featured twice on the Spencer Christmas Home Tour.
Property details
- Beds
- 5
- Baths
- 2
- SqFt
- 2,705
- Lot
- —
- Year built
- 1905
- Type
- Single Family
- Days on market
- 158
- Heating
- Heat Pump
- Cooling
- Central Air
- Foundation
- Basement, Crawl Space
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance
$2,539/ month
- Principal & interest
- $2,136
- Property tax (~1.05%)
- $301
- Homeowners insurance
- $100
- HOA dues
- —
Down payment
$17,250 down · $327,750 financed
Income to qualify (28% rule)
~$108,822 / 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.