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Monroe · Monroe, NC

3406 Olive Branch Road

Monroe, NC · 1,260 sqft

$435,000

Reduced from $450,000

  • 3Beds
  • 2Baths
  • 1,260SqFt
  • 1996Year
  • 217X590X217X614Lot
  • 31Days on market

About this home

Welcome home to your private acreage close to 74 By pass and Monroe for shopping and restaurants but still far away enough to have the peaceful country living convenience. Please note this is two parcels of land totaling 6 acres with fenced pasture; private pond with stocked fish; one detached two car garage heated with woodstove for workshop or vehicles; second detached building for possible storage for equipment or workshop; third storage unit produces privacy from the road at the pond. Three bedroom, 2 full bath total electric home that sits toward the rear of the six acre property that is exempt from city taxes and only has Union County taxes. There is a wood burning insert fireplace in the living room. Updated kitchen with side entry door; granite countertops, white cabinets and stainless appliances. Kitchen and bathrooms were updated 6 years ago. Kitchen has a pantry. Split bedroom floorplan which offers privacy for primary bedroom suite. Flooring in living room/dining area and kitchen has been updated with vinyl plank flooring. (Carpet in bedrooms needs replaced and owner is offering $1000 credit for new owners to choose their own type flooring with acceptable offer). All bedrooms and family room have ceiling fans. Concrete patio at rear of home. Roof is two years old; water heater 6 mo. old; well pump is 6 years old; septic pump was replaced last year; central heat/air unit is two years old; crawl space has plastic moisture barrier with vents that open and close automatically. Lots of storage for a small business owner. Could possibly be subdivided for multiple homes with the acreage. There are two parcels of land totaling 6 acres. Monroe City is across the street from the property and has water and sewer. So many possibilities to make this your dream home oasis. Showings start Sun August 9, 2026.

Property details

Beds
3
Baths
2
SqFt
1,260
Lot
217X590X217X614
Year built
1996
Type
Single Family
Days on market
31
Garage
2
Style
Ranch
Heating
Central, Electric, Forced Air
Cooling
Central Air
Foundation
Crawl Space, Permanent
Flooring
Carpet, Laminate

Features

  • Split Bedroom
  • Walk-In Closet(s)
  • Fence
  • Storage
  • Other - See Remarks

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$3,147/ month

Principal & interest
$2,694
Property tax (~0.90%)
$326
Homeowners insurance
$126
HOA dues

Down payment

$21,750 down · $413,250 financed

Income to qualify (28% rule)

~$134,880 / 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.