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Charlotte · Charlotte, NC

1013 Spruce Street

Charlotte, NC · 1,103 sqft

$550,000

Reduced from $575,000

  • 3Beds
  • 1Baths
  • 1,103SqFt
  • 1948Year
  • 28Days on market

About this home

You can change a lot about a home, but you can’t change its location—and this one is hard to beat.

Located in historic Wilmore, just minutes from South End, this 3-bedroom, 1-bath home puts you close to some of the best parts of Charlotte. Grab coffee in South End, walk or bike the Rail Trail, head Uptown for a Panthers game or concert, or meet friends for dinner—all just minutes from home.

The home has been well cared for over the years and gives the next owner plenty of options. Make it your own, use it as a Charlotte home base, or explore its potential as an investment property.

The home was previously used as an Airbnb and stayed frequently booked, which made showings difficult to accommodate when it was previously on the market. It is now vacant and much easier to see. For buyers considering an investment property, the home’s previous rental use is another part of its story worth exploring, subject to buyer verification and local regulations.

What really makes this home stand out is simple: you’re close to the places you’ll actually want to go, while still getting the character and neighborhood feel that make Wilmore such a great place to live.

If location is at the top of your list, this one deserves a look.

Property details

Beds
3
Baths
1
SqFt
1,103
Lot
Year built
1948
Type
Single Family
Days on market
28
Garage
2
Heating
Forced Air
Cooling
Central Air
Foundation
Crawl Space

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$4,047/ month

Principal & interest
$3,406
Property tax (~1.05%)
$481
Homeowners insurance
$160
HOA dues

Down payment

$27,500 down · $522,500 financed

Income to qualify (28% rule)

~$173,484 / 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.