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John KurtzCharlotte · NC

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Lincolnton · Lincolnton, NC

823 N Laurel Street

Lincolnton, NC · 1,434 sqft

$320,000

  • 3Beds
  • 2Baths
  • 1,434SqFt
  • 1948Year
  • 93F x 110LS x 87R x 144RSLot

About this home

Downtown Lincolnton Living on popular N. Laurel Street! Charming cottage-style home perfectly positioned in the heart of downtown Lincolnton. Located on desirable N. Laurel Street, this property offers a lifestyle as inviting as the home itself—enjoy winter sledding on the hill or relaxed golf cart rides on warm summer evenings. Just around the corner, you can access the Rail Trail for walking, running, or biking, making it easy to enjoy all that downtown has to offer. Inside, this home is filled with character and timeless appeal. Hardwood floors flow throughout the main living areas, kitchen and bedrooms, while ceramic tile enhances the bathrooms. Offering three bedrooms and two full baths, the layout is both functional and flexible. The primary suite features sliding doors that open to a private sitting area—perfect for morning coffee or peaceful evenings under the stars. Plantation shutters throughout add charm and architectural detail. A bonus/flex room provides versatility and could serve as a sitting room, dining space, office, or craft room to fit your needs. Situated on a corner lot, the exterior offers a two-car carport with attached storage room, a backyard gazebo, and ample space to add a garage or additional building if desired. This home blends downtown convenience, character, and outdoor enjoyment in one special package. There is an additional lot behind the property that is available for purchase. Seller prefers a late August Closing. Don’t Wait—opportunities like this in Downtown Lincolnton don’t last long!

Property details

Beds
3
Baths
2
SqFt
1,434
Lot
93F x 110LS x 87R x 144RS
Year built
1948
Type
Single Family
Heating
Heat Pump
Cooling
Heat Pump
Foundation
Crawl Space
Flooring
Tile, Wood

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$2,355/ month

Principal & interest
$1,981
Property tax (~1.05%)
$280
Homeowners insurance
$93
HOA dues

Down payment

$16,000 down · $304,000 financed

Income to qualify (28% rule)

~$100,936 / 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.