View all 42 photos →

Spencer · Spencer, NC

702 5th Street

Spencer, NC · 1,264 sqft

$249,900

  • 2Beds
  • 1Baths
  • 1,264SqFt
  • 1920Year
  • 1Days on market

About this home

Step into this beautifully renovated 1920s home in the heart of Spencer, where timeless character meets modern comfort. Thoughtfully updated around 2022, this move-in ready residence welcomes you with a charming covered front porch and an inviting interior featuring updated flooring throughout. The stylish kitchen was completely remodeled with new cabinetry, granite countertops, and modern appliances, while the bathroom was also tastefully renovated.

Major updates include replacement windows and exterior doors, along with an electric central heating and air system for year-round comfort and energy efficiency. A convenient laundry room is ideally located between the kitchen and bath. Outside, you'll find a rear concrete patio perfect for relaxing or entertaining, plus a gravel parking area accessed from the rear alley in addition to front street parking. The low-maintenance vinyl exterior adds to the home's appeal.

Perfect for someone looking to downsize, a starter home, or additional rental income. Don't miss this opportunity to own a beautifully updated home that combines the charm of a bygone era with the peace of mind and convenience of modern upgrades.

Property details

Beds
2
Baths
1
SqFt
1,264
Lot
Year built
1920
Type
Single Family
Days on market
1
Heating
Heat Pump
Cooling
Central Air, Heat Pump
Foundation
Crawl Space

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,808/ month

Principal & interest
$1,547
Property tax (~0.90%)
$187
Homeowners insurance
$72
HOA dues

Down payment

$12,495 down · $237,405 financed

Income to qualify (28% rule)

~$77,486 / 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.