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Lincolnton · Lincolnton, NC

433 N Cedar Street

Lincolnton, NC · 2,231 sqft

$415,000

  • 4Beds
  • 2Baths
  • 2,231SqFt
  • 1946Year
  • 1Days on market

About this home

Step into the charm and character of this 1946 two-story home, ideally located within walking distance of Lincolnton’s historic Court Square. Situated on a generous .40-acre lot, this traditional home offers the timeless appeal of original architectural character along with thoughtful updates for today’s lifestyle. The main level features a welcoming living room, formal dining room, spacious family room, updated kitchen and a full bath. The high ceilings add to the home’s sense of space and character. Beautiful hardwood floors flow throughout much of the home, including upstairs bedrooms. Upstairs, you’ll find four bedrooms and a full bath, offering plenty of room for family and guests. With its classic floor plan, generous rooms, hardwood floors, and walkable location, this home offers a wonderful opportunity to enjoy the best of historic Lincolnton while being close to shops, restaurants, and downtown amenities. For entertaining, there is a spacious enclosed porch that can be used year round. A double carport provides covered parking on the main level. The lower level consists of a garage with tons of storage and an unfinished cellar type basement.

Property details

Beds
4
Baths
2
SqFt
2,231
Lot
Year built
1946
Type
Single Family
Days on market
1
Garage
1
Heating
Forced Air, Natural Gas
Cooling
Central Air
Foundation
Basement
Flooring
Tile, Wood

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$2,961/ month

Principal & interest
$2,570
Property tax (~0.78%)
$269
Homeowners insurance
$121
HOA dues

Down payment

$20,750 down · $394,250 financed

Income to qualify (28% rule)

~$126,900 / 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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