Skip to content
John KurtzCharlotte · NC

View all 11 photos →

Spencer · Spencer, NC

613 E 5th Street

Spencer, NC · 2,049 sqft

$195,000

  • 3Beds
  • 1.5Baths
  • 2,049SqFt
  • 1911Year
  • 66.6 x 299.7Lot
  • 332Days on market

About this home

OWNER FINANCING with due diligence fee required. Home may be converted to duplex (two front doors). Large lot. Just a short walk from NC Transportation Museum, public library, park, and baseball field. Parcel consists of two full parcels and parts of three others - no survey. Close to multiple major employers (Chewy, RV Center, Owens Corning, Food Lion) and county is growing rapidly. GE Monogram double oven remains, drawer microwave remains, framing lumber and plywood remains. French drain remains (uninstalled), claw-footed tub remains. Upright piano remains. Most furniture remains. All personal property and additional equipment subject to being on property at closing. Tools and generator do not convey and will be removed by seller before closing date. Four fireplaces - no representation. Bedrooms # could change with remodel. Plan was to get and re-configure. Solid attic could be converted to living area. Agent is owner.

Property details

Beds
3
Baths
1.5
SqFt
2,049
Lot
66.6 x 299.7
Year built
1911
Type
Single Family
Days on market
332
Style
Bungalow
Heating
Oil
Cooling
None
Foundation
Basement, Crawl Space, Stone, Other - See Remarks
Flooring
Vinyl, Wood, Other - See Remarks

Features

  • Attic Other
  • Storage
  • Other - See Remarks
  • Other - See Remarks

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,435/ month

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

Down payment

$9,750 down · $185,250 financed

Income to qualify (28% rule)

~$61,508 / 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.