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Lincolnton · Lincolnton, NC

301 Congress Street W

Lincolnton, NC · 1,830 sqft

$365,000

  • 4Beds
  • 2.5Baths
  • 1,830SqFt
  • 2026Year
  • 1Days on market

About this home

Welcome to The Jasper plan. It is a well designed, two story home that balances everyday living with a convenient location just minutes from historic downtown Lincolnton. Enjoy walkable access to shops, restaurants, and community events while still having the space and finishes families want. Step onto the covered front porch and into a practical layout that includes a formal living room at the front and an open family room, dining area, and kitchen at the rear. The kitchen features granite countertops and a tile backsplash. Engineered hardwood floors run throughout the downstairs living areas. A mudroom off the two-car garage, powder room, and coat closet keep daily life organized. The primary suite includes a tray ceiling, walk-in closet, and private bath with a tiled shower. Three additional bedrooms and a full hall bath upstairs. LVP flooring in the baths and laundry. Granite countertops in the bathrooms. A 10x10 patio sits off the back of the home for easy outdoor dining or relaxing. This home delivers the right mix of open living space, private bedrooms, and a location that puts you close to Lincolnton’s charming downtown while remaining convenient to the greater Charlotte area. Ideal for buyers who want new construction, lots of space, with small-town convenience. Preferred lender offers up to 1% in buyer credit.

Property details

Beds
4
Baths
2.5
SqFt
1,830
Lot
Year built
2026
Type
Single Family
Days on market
1
Garage
2
Heating
Central
Cooling
Central Air
Foundation
Slab
Flooring
Vinyl, Wood

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$2,604/ month

Principal & interest
$2,260
Property tax (~0.78%)
$237
Homeowners insurance
$106
HOA dues

Down payment

$18,250 down · $346,750 financed

Income to qualify (28% rule)

~$111,611 / 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

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.