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Spencer · Spencer, NC

607 3rd Street

Spencer, NC · 1,232 sqft

$229,900

Reduced from $234,900

  • 3Beds
  • 1.5Baths
  • 1,232SqFt
  • 1905Year
  • 7Days on market

About this home

Step inside this beautifully renovated home in Spencer's Historic District, where historic character meets modern style. Offering 3 bedrooms, 1.5 baths and 1,232 square feet, the home underwent an extensive renovation in 2024 and is ready for its next owner to move right in. The stylish kitchen features white cabinetry, beautiful wood countertops, a striking blue tile backsplash and stainless steel range hood. Original character shines through in details such as the fireplace, arch doorway, trim, and inviting living and dining spaces. Outside, mature trees surround a private backyard, while the spacious stamped-concrete patio provides a wonderful setting for relaxing, grilling and entertaining. Central HVAC provides year-round comfort, with the outdoor HVAC unit replaced in 2023. Conveniently located near downtown Spencer and Salisbury with easy access to shopping, dining and area amenities. Enjoy the character of an older home with the benefit of extensive modern updates already completed. Property is located within the Spencer Historic District; certain exterior alterations or improvements may require approval from the Town of Spencer.

Property details

Beds
3
Baths
1.5
SqFt
1,232
Lot
Year built
1905
Type
Single Family
Days on market
7
Heating
Heat Pump
Cooling
Central Air
Foundation
Crawl Space
Flooring
Tile, Vinyl, Wood

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,663/ month

Principal & interest
$1,423
Property tax (~0.90%)
$172
Homeowners insurance
$67
HOA dues

Down payment

$11,495 down · $218,405 financed

Income to qualify (28% rule)

~$71,285 / 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

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.