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
Gallery — 38 photos
About Lincolnton
Lincoln County seat
County seat half an hour north of Gastonia — historic courthouse square, growing population, and inventory under $300K.


