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Lincolnton · Lincolnton, NC

3610 Thrift Drive

Lincolnton, NC · 2,049 sqft

$540,000

  • 3Beds
  • 2Baths
  • 2,049SqFt
  • 1978Year
  • 1Days on market

About this home

32.61 acres. Over 4,000 feet of South Fork Catawba River frontage. Endless possibilities. This rare property offers the space, privacy, and natural beauty to create the rural retreat, mini-farm, or recreational property you’ve been looking for. The 3-bedroom, 2-bath home is clean and move-in ready while offering an opportunity to update and make it your own. Two bedrooms and an updated full bath are located on the main level, along with a sunroom and deck—perfect spots to relax and enjoy the peaceful surroundings. The partially finished basement adds even more living space with a den, additional bedroom, updated full bath, laundry room, and extra garage.

Outside, the possibilities are just as impressive. An oversized two-car garage provides plenty of room for vehicles, equipment, or hobbies, while the existing barn and workshop offer useful space with plenty of potential for someone willing to give them some TLC. With acreage for gardening, horses, livestock, recreation, or simply enjoying the peaceful riverfront setting, this property offers a rare combination of usable land and natural beauty. Whether you envision a private homestead, working mini-farm, weekend retreat, or simply a place with room to spread out, this one deserves a look. Properties with this much acreage and this much river frontage are a rare find!

This property is within 1/2 mile of a voluntary agriculture district.

Property details

Beds
3
Baths
2
SqFt
2,049
Lot
Year built
1978
Type
Single Family
Days on market
1
Garage
2
Heating
Heat Pump
Cooling
Heat Pump
Foundation
Basement
Flooring
Carpet, Vinyl

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$3,852/ month

Principal & interest
$3,344
Property tax (~0.78%)
$351
Homeowners insurance
$157
HOA dues

Down payment

$27,000 down · $513,000 financed

Income to qualify (28% rule)

~$165,123 / 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 Lincolnton

Lincoln County seat

County seat half an hour north of Gastonia — historic courthouse square, growing population, and inventory under $300K.

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