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Denver · Denver, NC

3503 Deacon Lane

Denver, NC

$275,000

  • 3Beds
  • 2.5Baths
  • 0SqFt
  • 2024Year
  • 57x73x76x83x80x80Lot
  • 1Days on market

About this home

Ninety Percent of a Dream! This 3-bedroom + loft + office and 2.1 baths with a 2-car garage sitting on a 0.269-acre lot is waiting for someone to show it some love! Walk through the front door and the first thing you notice is that it feels like a house. Not a skeleton in a field. A house. The roof is on and tight. The windows are set and still wearing their factory stickers. Sheetrock hung, insulation in, trim run, interior doors on their hinges. The stairs are finished. The kitchen cabinets are standing, granite already laid across the island, the sink and faucet plumbed and waiting on a Saturday morning and a pot of coffee. Built in 2024 — and then, for reasons that had nothing to do with the house itself, the work simply stopped. The hard part is behind you. Everything that makes building a home expensive and slow is already done and already paid for. The driveway is poured, full width, all the way to a two-car garage. The well is drilled. The septic is in the ground. The HVAC condenser sits on its pad outside, and the ductwork is run through the attic, still factory-tagged, never started. Anyone who has priced a build knows those are the lines where budgets go to die. They're already sunk into this property. Add a dried-in, insulated, sheet-rocked, trimmed-out home on top of them and what you're looking at isn't a project — it's a finish line you can see from the driveway. What the floor plan gives you. Downstairs opens up the way people actually live: a great room with a wall of windows facing the trees, flowing straight into a dining area and a kitchen anchored by a long granite island. A half bath tucked off the main floor for guests, and a private office. Upstairs, three bedrooms — the primary with a double granite vanity, soaking tub, and separate shower — plus a loft that will become whatever your family needs it to be. Office. Playroom. The place where the TV lives so the great room doesn't have to. What's left, The last mile. Fixtures and finals. Paint. Flooring in the areas still under builder's paper. The appliances you actually want instead of the builder-grade set someone else would have picked. The HVAC commissioned and breathing. Inspections signed off and the Certificate of Occupancy in hand. That's a real punch list, and an honest one. But it's a punch list — not a twelve-month project. Who this is for? The buyer with a builder in the family. The contractor looking for his own place. The investor who can read a permit file and knows exactly what the last ten percent costs. Anyone willing to trade a few months of patience for a brand-new 2024 home at a number a finished one won't touch. Bring your builder. Bring your lender. Bring your paint chips. The house is standing. It's just waiting on you to say the last word. Buyer Disclosures — This home is NOT complete and is NOT habitable. Constructed in 2024 and never finished. Construction permits remain open, and no Certificate of Occupancy has been issued. Property is not represented as habitable or move-in ready. HVAC equipment is installed but has never been started, commissioned, or tested; no warranty status is represented. Well and septic are installed; buyer to verify permitting, inspection status, and functionality. Flooring, paint, appliances, light fixtures, and final plumbing/electrical trim are incomplete. Sold strictly as-is. Buyer is responsible for permit transfer or reactivation, all remaining construction, all inspections, and obtaining the Certificate of Occupancy. Buyer to verify all information independently, including permit status, code compliance, zoning, and utility approvals. Showings at buyer's own risk. Conventional financing is generally unavailable without a Certificate of Occupancy. Buyers should consult a lender regarding cash, construction, or renovation loan options.  Lot located in a Special Tax District (Former East Lincoln Water and Sewer Tax District). Property is on a private road.

Property details

Beds
3
Baths
2.5
SqFt
0
Lot
57x73x76x83x80x80
Year built
2024
Type
Single Family
Days on market
1
Garage
2
Heating
Heat Pump
Cooling
Central Air
Foundation
Crawl Space
Flooring
Laminate

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,989/ month

Principal & interest
$1,703
Property tax (~0.90%)
$206
Homeowners insurance
$80
HOA dues

Down payment

$13,750 down · $261,250 financed

Income to qualify (28% rule)

~$85,269 / 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 Denver

Lake Norman west · Rural growth

Lincoln County town on the west side of Lake Norman — fastest-growing rural market in the region, with new subdivisions tied to the lake and the Highway 16 corridor.

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