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John KurtzCharlotte · NC

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Lincolnton · Lincolnton, NC

5101 Flay Road

Lincolnton, NC · 931 sqft

$210,000

  • 3Beds
  • 2Baths
  • 931SqFt
  • 2025Year
  • 1Days on market

About this home

Brand new and never lived in, this 2025 home offers the perfect blend of affordability, comfort, and peaceful country living! Situated on a spacious acre lot, there’s plenty of room to enjoy the outdoors — whether you’re dreaming of a garden, play area, pets, entertaining space, or simply extra privacy. Inside, you’ll find 3 bedrooms, 2 full baths, and a spacious layout designed for comfortable everyday living. The kitchen comes equipped with a refrigerator, dishwasher, and electric stovetop/oven, making move-in even easier. This home also features a permanent foundation and land included, making financing options more accessible and ownership even more valuable. With a new HVAC and roof, this home is completely move-in ready. Enjoy the charm of country living while still having all the modern comforts you need!

Property details

Beds
3
Baths
2
SqFt
931
Lot
Year built
2025
Type
Single Family
Days on market
1
Heating
Heat Pump
Cooling
Central Air
Foundation
Permanent, Pillar/Post/Pier

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,545/ month

Principal & interest
$1,300
Property tax (~1.05%)
$183
Homeowners insurance
$61
HOA dues

Down payment

$10,500 down · $199,500 financed

Income to qualify (28% rule)

~$66,239 / 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.