View all 15 photos →

Shelby · Shelby, NC

816.5 Frederick Street

Shelby, NC · 1,496 sqft

$215,000

  • 3Beds
  • 2.5Baths
  • 1,496SqFt
  • 2026Year
  • 40x200Lot
  • 14Days on market

About this home

Brand new! Nearly 1,500 square feet. 3 bedrooms. 2.5 baths. No HOA!! Just $215,000. This one is proof that buying on a budget doesn't have to mean settling for outdated finishes, weekend projects or somebody else's questionable DIY decisions. The main level was made for real life: open kitchen, dining and living centered around a large island and cozy fireplace. You'll find quartz countertops, tile backsplash and brand-new appliances, plus a pot filler over the range, go find another house at this price with one! Wood stairs lead up to three bedrooms tucked away from the action. And because everything is NEW, you can spend your weekends actually enjoying your house instead of fixing it. Add in a covered front porch, a private backyard, a 10-year Quality Builders Warranty and a spot half a mile from Atrium Health Cleveland, and suddenly an older resale at the same price has some explaining to do! New house. No project list. No HOA. Come see what your money can buy in Shelby.

Property details

Beds
3
Baths
2.5
SqFt
1,496
Lot
40x200
Year built
2026
Type
Single Family
Days on market
14
Heating
Heat Pump
Cooling
Heat Pump
Foundation
Slab
Flooring
Carpet, Vinyl

Features

  • Kitchen Island
  • Open Floorplan
  • Walk-In Closet(s)

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$1,555/ month

Principal & interest
$1,331
Property tax (~0.90%)
$161
Homeowners insurance
$62
HOA dues

Down payment

$10,750 down · $204,250 financed

Income to qualify (28% rule)

~$66,665 / 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.