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Charlotte · Charlotte, NC

1013 Spruce Street

Charlotte, NC · 1,103 sqft

$575,000

  • 3Beds
  • 1Baths
  • 1,103SqFt
  • 1948Year
  • 1Days on market

About this home

The one thing you can never renovate is location—and this one is hard to beat. Nestled in the heart of historic Wilmore, just moments from South End, this charming 3-bedroom, 1-bath home places you in one of Charlotte's most desirable neighborhoods. Start your morning with coffee in South End, spend the afternoon on the Rail Trail, meet friends for dinner just minutes away, and still be home in time to unwind in the charm of historic Wilmore. From game days and concerts to some of Charlotte's best restaurants, breweries, and local favorites, everything you love about living in the city is just moments from your front door. Lovingly maintained over the years, this home offers the flexibility today's buyers are looking for. Whether you're planting roots, relocating to Charlotte, or adding another property to your portfolio, this home adapts to your goals. Currently used as a short-term rental, the home also offers an opportunity for buyers to explore investment potential, subject to local regulations and buyer verification. Some opportunities are about the house. This one is about the life you'll build around it.

Property details

Beds
3
Baths
1
SqFt
1,103
Lot
Year built
1948
Type
Single Family
Days on market
1
Garage
2
Heating
Forced Air
Cooling
Central Air
Foundation
Crawl Space

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$4,231/ month

Principal & interest
$3,561
Property tax (~1.05%)
$503
Homeowners insurance
$167
HOA dues

Down payment

$28,750 down · $546,250 financed

Income to qualify (28% rule)

~$181,370 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. Christy can introduce you to lenders she 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

About Charlotte

Metro core · Multi-ZIP coverage

The metro itself — Christy works Charlotte across multiple sub-markets, from the inner-ring streetcar suburbs through Ballantyne and the East side.

Explore Charlotte

Similar in Charlotte

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.