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
Gallery — 41 photos
About Lincolnton
Lincoln County seat
County seat half an hour north of Gastonia — historic courthouse square, growing population, and inventory under $300K.


