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Gastonia · Gastonia, NC

3407 Ratchford Drive

Gastonia, NC · 2,036 sqft

$349,900

Reduced from $389,500

  • 3Beds
  • 2.5Baths
  • 2,036SqFt
  • 1947Year
  • 90Days on market

About this home

Nearly an acre, over 2,000 square feet, a finished basement, and major updates already completed! This 3-bedroom, 2.5-bath Gastonia home offers the space and flexibility that can be hard to find at this price point, with a large private lot, multiple living areas, and plenty of room to make the home fit your lifestyle.

Inside, you'll find a spacious kitchen with stainless steel appliances and abundant cabinetry, along with a comfortable primary suite featuring an updated ensuite bath and walk-in shower. The finished basement adds an entirely different level of versatility, with a large second living area that could work as a rec room, media room, guest space, or potential fourth bedroom. A separate flex room offers even more options for a home office, gym, playroom, or hobby space, plus generous basement storage.

Several of the big-ticket improvements have already been taken care of, including a new roof in 2025, septic system installed in 2023, and newer HVAC system.

Outside is where this property really stands apart. Situated on nearly an acre, the expansive yard offers room for pets, gardening, entertaining, outdoor activities, or simply enjoying the extra space and privacy. Mature trees add to the peaceful setting while still leaving plenty of usable yard.

Conveniently located with easy access to Gastonia, Belmont, Lake Wylie, and the Charlotte area, this home offers the breathing room of a larger property without giving up access to shopping, dining, recreation, and everyday conveniences If you've been looking for more house, more land, and more flexibility without sacrificing location, 3407 Ratchford Drive deserves another look.

Property details

Beds
3
Baths
2.5
SqFt
2,036
Lot
Year built
1947
Type
Single Family
Days on market
90
Heating
Heat Pump
Cooling
Central Air
Foundation
Basement
Flooring
Carpet, Vinyl

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$2,516/ month

Principal & interest
$2,167
Property tax (~0.85%)
$247
Homeowners insurance
$102
HOA dues

Down payment

$17,495 down · $332,405 financed

Income to qualify (28% rule)

~$107,868 / 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 Gastonia

Gaston’s hub · I-85 access

The county seat and Christy’s busiest market by a wide margin — affordable single-family across Hudson Oaks, Southwood, and the FUSE District revitalization.

Explore Gastonia

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