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Lincolnton · Lincolnton, NC

511 Carter Trail

Lincolnton, NC · 1,608 sqft

$649,900

  • 3Beds
  • 2Baths
  • 1,608SqFt
  • 2019Year
  • 1Days on market

About this home

Discover the perfect blend of modern comfort and rural serenity in this stunning 1600+/- sq. ft. ranch home, built in 2019. Nestled on a private 10.85+/- acre lot in Lincolnton, NC, this property offers a rare combination of wooded privacy, creek frontage, and plenty of room to roam. Inside features an open floor plan with a vaulted living room anchored by a cozy gas log fireplace, perfect for quiet evenings. The heart of the home is the seamless kitchen and dining area, ideal for hosting friends and family. Retreat to the primary suite, where you’ll find a spa-like bathroom complete with dual vanities and an impressive tile shower featuring dual shower heads. Two additional guest bedrooms share a full bath, providing plenty of space for everyone. For those who need space for hobbies or work, the exterior features are unmatched. In addition to the two-car attached garage, the property boasts a massive 3-car detached shop with three roll-up doors and a separate man door, ready for your workshop, car collection, or equipment storage. Outdoor living is easy on the screened-in back porch, where you can watch the local wildlife or head down the trail to the creek. Whether you’re looking for a private retreat or a functional homestead with room to grow, this property has it all. Located right outside of Lincolnton for an easy commute to Hwy 321 and beyond!

Property details

Beds
3
Baths
2
SqFt
1,608
Lot
Year built
2019
Type
Single Family
Days on market
1
Garage
5
Heating
Heat Pump
Cooling
Central Air
Foundation
Crawl Space

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$4,637/ month

Principal & interest
$4,025
Property tax (~0.78%)
$422
Homeowners insurance
$189
HOA dues

Down payment

$32,495 down · $617,405 financed

Income to qualify (28% rule)

~$198,729 / 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.

Explore Lincolnton

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