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 This one is proof that buying on a budget doesn't have to mean settling for outdated finishes, weekend projects or somebody else's questionable DIY decisions.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.