Spencer · Spencer, NC
1209 3rd Street
Spencer, NC · 1,292 sqft
$120,000
Reduced from $200,000
- 3Beds
- 2Baths
- 1,292SqFt
- 1985Year
- 318Days on market
About this home
Use 203k loan. Own a promising 3-bedroom home just waiting for someone to unlock its potential. This property features a solid structure to make it your own. Inside, you’ll find a flexible layout ready for your improvements. Ideal for recasting spaces into modern bedrooms, an updated kitchen, or bonus living areas. The good bones of the home are there; cosmetic upgrades and vision will really drive the value. With some love and strategic updates, this one can deliver great return. Don’t miss your chance schedule a showing today and see why this home is a great canvas for your next project.
Property details
- Beds
- 3
- Baths
- 2
- SqFt
- 1,292
- Lot
- —
- Year built
- 1985
- Type
- Single Family
- Days on market
- 318
- Heating
- Forced Air, Natural Gas
- Cooling
- Ceiling Fan(s)
- Foundation
- Slab
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance
$868/ month
- Principal & interest
- $743
- Property tax (~0.90%)
- $90
- Homeowners insurance
- $35
- HOA dues
- —
Down payment
$6,000 down · $114,000 financed
Income to qualify (28% rule)
~$37,208 / 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.