Spruce Pine · Spruce Pine, NC
44 Hemlock Avenue
Spruce Pine, NC · 2,304 sqft
$425,000
Reduced from $469,000
- 3Beds
- 2Baths
- 2,304SqFt
- 1945Year
- 64Days on market
About this home
Filled with character and timeless charm, this 3-bedroom, 2-bath brick ranch offers the perfect blend of vintage appeal and modern updates. Located within the city limits of Spruce Pine, this inviting home features beautiful hardwood floors throughout, adding warmth and elegance to every room. The spacious floor plan includes a formal dining room, an enclosed porch perfect for enjoying your morning coffee, and a large back deck ideal for cookouts and entertaining. An attached garage adds convenience, while the full heated and cooled basement provides endless possibilities for additional living space, hobbies, crafts, a home office, or recreation area. With its classic brick exterior, vintage charm, and desirable location close to shopping, dining, and local amenities, this home is a rare find that offers comfort, character, and versatility.
Property details
- Beds
- 3
- Baths
- 2
- SqFt
- 2,304
- Lot
- —
- Year built
- 1945
- Type
- Single Family
- Days on market
- 64
- Garage
- 2
- Style
- Ranch
- Heating
- Ductless, Heat Pump
- Cooling
- Central Air, Ductless
- Foundation
- Basement
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance
$3,074/ month
- Principal & interest
- $2,632
- Property tax (~0.90%)
- $318
- Homeowners insurance
- $123
- HOA dues
- —
Down payment
$21,250 down · $403,750 financed
Income to qualify (28% rule)
~$131,779 / 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.