Fancy Hill

Looking to build a log cabin? Thinking of nestling yourself back in the woods? How about a couple of acres, county taxes and lots of privacy? I have just the lots on Fancy Hill Rd in northern Gaston County. Just a few minutes from HWY 321, that makes for a 15 minute commute to Gastonia or Hickory and Charlotte just a little bit further. The lots have gentle slopes, perfect for a basement and have gorgeous hardwoods. They range in size from 1 acre-3.5 acre and in price from $21,900- $37,500. Come by today and take a look at your future. Feel free to walk the land and find the one that suits you best.
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Sunset Valley

You know the rules….Location, Location, Location! Well this neighborhood has a great one!
The 321 By-pass is less than 5min away, that puts you in Hickory or Gastonia in 10 min & in Downtown Charlotte in 30 min. A 30 minute commute, a straight shot with no Charlotte traffic to worry about! You can live the quiet life out in the county. The lots in this neighborhood range from .75 acre to 6.5 acres. What are you waiting for? The market is picking up, interest rates are going up and those builders are getting busy. Don’t miss your chance to change your life style, to slow things down a bit & get back to the things that really matter. Sunset Valley, conveniently located in High Shoal, just a few minutes north of Gastonia.
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205 Wellington Drive, Lincolnton NC 28092

Lincolnton can boast some of the nicest neighborhoods, filled with homes that have been well built, classic styling and will stand the test of time. This home is deserving of all those praises as well. Built be one of Lincolnton’s finest builders, a builder who stands behind his work, and will also be here through the years. This home has wood floors throughout, a mixture of 9’, tray & vaulted ceilings. Solid brick exterior w/ vinyl trim, energy efficient construction, a master bath you can truly relax in with a whirlpool tub and glass oversized shower, a large living room with lots of light, the dining room can as formal or as casual as you make it. The kitchen has solid maple cabinetry and is filled with all the “extras”. There is a bonus room upstairs for all those who need an extra living area and the garage….well it it as wonderful as the rest of the house. Don’t miss the opportunity to take a look at this wonderful home. With almost 2200 sqft, all brick and a convenient location, it is priced to sell at $225,000.
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696 Saddlebrook Lane, Cherryville NC 28021

Welcome to the quiet side of the county. You can fall asleep to the sounds of frogs and crickets. You can wake to the birds. When you move here, you can move in your own menagerie of animals that will greet daily. Over 10 acres of private farm land, creek on the property about 70% still left in hardwoods for even more privacy. The home was designed with the land in mind. You have three full stories; from the top floor your views are fabulous! There are decks on the front, back and a great patio for enjoying the land even more. The main floor houses a huge 27X26 garage that is fully finished & is serviced by its own Trane HVAC unit; there is also a full bath & laundry. One floor up you have the main living areas, kitchen & master bedroom. In the master bath, no comfort was overlooked with a glass shower w/ brass heads, whirlpool tub also with solid brass Grohe fixtures, in line water heater, marble vanity, roomy closet & large window over the tub bathes the room in natural light. The third floor has two bedrooms, computer niche & a full bath. The bedrooms are 14x11 & 14x14 there are also three dormers on this level that flood the home with light. Those are the basics, but the things that are sometimes overlooked are very important; This home has 3 Trane heat pumps, all walls are insulated R-14, interior walls as well, the North & South exterior walls & ceilings are insulated to R-30,ceiling fans w/ crystal & brass light fixtures, recessed lighting, 9’ ceilings, extensive wiring for phones , satellite & outlets, brass door hardware, Brazilian tile floors, Kraft Maid cabinetry, upgraded kitchen cabinets & pantry units, 80 gal. water heater, garage is wired for satellite & phone, Harley Davidson automatic garage doors, seamless gutters, 2 wells, exterior lighting…to refer to it as simply a 3 bedroom 3 ½ bath home with 2851 sqft for $ 294,000…is just not doing it justice. This one deserves a visit!
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Lot #16 Cedar Run Drive, Denver NC 28037

Great building lot and a fantastic location! Less than 5 minutes to HWY 16, means less than 30 minutes to downtown Charlotte! You can live in the country, pay low Lincoln County taxes, enjoy a wooded 1.8 acre lot to nestle your home on, quite culde-sac community, close to schools and shopping. What else do you need! Oh, you can be boating on Lake Norman in 10 minutes! Don’t miss this opportunity, great price!
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2929 Charles Court, Lincolnton NC 28092

Here is the home you have been waiting for! Priced to beat the competition! 3 large bedrooms, 2 full baths, living room with cathedral ceilings & wood floor, a nice reading nook, dining room w/ a great view of the fenced back yard. The kitchen is a practical galley style with updates and upgrades throughout! A laundry room and a garage. Check the competition; you can’t get all this with any of them! This home is in great shape, unlike some of those foreclosures you have seen! There have been many updates made lately like the new roof, new windows & a new water heater! This wonderful neighborhood is small enough to get to know your neighbors and less than 5 miles to Lincolnton! No city taxes! Great schools are not too far away either. If you use a USDA Rural Housing Loan, you can finance 100% of your purchase, no money down, roll your closing expenses into your loan, this loan has a 5% fixed interest rate ( 5.33 APR) for 30 years, your monthly payment including taxes & insurance are only $731.00. That’s everything, no surprises! Check local rent rates for this size home and you will see the value in owning your own home. With the $ 8,000 tax credit, that pays for almost a whole year! Why are making landlords payments when you can build your own wealth!

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7371 Hallman Mill Rd, Vale NC 28168

A traditional home in the country. . This is a spacious home with 1449 sqft, a 24 x 24 garage, front porch and a large back deck. The lot is 1 acre and has lots of trees and natural area to enjoy the abundant wildlife. You can hear the birds, watch the squirrels and keep an eye out for the deer! Less than 5 years old, but it feels brand new inside and out! This home has an open feel and lots of space. With walk in closets in every bedroom you are sure to have enough closet space. The living, dining and kitchen areas are all open and flow well together. There are patio doors that lead out onto your deck and to your fenced back yard. Less than 15 minutes to Lincolnton, Cherryville or Hickory everything you need is close by. Great schools are just around the corner! You can purchase your new home with a USDA Rural Housing loan. That is a 100% loan, no down payment, we can finance in your closing expenses, with a fixed rate of 5% interest (APR 5.33), 30 years, taxes and insurance…your entire payment will be $888 @ month! That is everything, no surprises! Add your $8,000 tax credit in and that will pay your house payment for you for almost a whole year! Get more information or Contact Me

519 Bonview Ave. Lincolnton NC 28092

A downtown home that is perfect for today’s lifestyle! This contemporary home has gotten a make over and you can be the judge! The new Master Suite is divine, place to call your own, a private space away from the hectic times of everyday life. The spa get away you have been dreaming of…has now become your bedroom. The main sleeping area is 19 x 11, the closet a huge 11x 6, design it your way! The new bath room is 11x7. It is all yours! The rest of the house you can share, and share you will do with the 22x15 living room, 16x16 den, 12x12 dining room, 11x12 kitchen and even the extra bedrooms are large at 12x12 & 12x15. This home is designed for today, the rooms are open, inviting and flow smoothly. There are wood floors throughout most of the home. Custom designed cabinetry and a dining bar. Two fireplaces that are ready for gas logs! A total of three bedrooms, two & ½ baths. The is a sunny laundry room and a nice computer niche off the den. Down town Lincolnton is convenient to HWY 321, I 40 or I 85. You can be in Charlotte in about 30 minutes, less to Hickory and Gastonia. Know that you are sold on the house…let’s talk money! This home qualifies for a 100% Rural Housing loan, with a sales price of $ 137,700, no down payment, 5 % fixed interest rate ( APR of 5.33%) your payments are $ 904@ month. You can also finance your closing expenses and move in with no money down! Put that with the $8,000 tax credit and your make money when you buy this house! Call me today and I will take you inside your new home!
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Dirty Ankle Road, Lawndale, Nc 28090

WOW! Be on top of the world when you build your mountain retreat on top of the world!
This tract of land is wooded, with a creek and has a nice view from the top. Over 8 acres of wooded wonders. This location makes you feel like you are away from everything, but you are really just minutes from Morganton, Hickory, Shelby & Lincolnton and more! No restrictions and country living. Call me for more info! Contact Me  or visit My Site for more info and pictures!

3315 NC HWY 18, Vale NC 28168

Looking for a quiet place, not too far from everything? Well I got you covered. Located on HWY 18 in Vale you are just minutes from Shelby, Hickory, Morganton, Lincolnton, I 40 and my personal favorite…..South Mountain State Park! Over 5 acres of wooded property. Mainly hardwoods. The neighbor is harvesting his and going to grade out and replant. Will create a beautiful back drop for the mountain view. Enough trees to enjoy the shade, but not too many to block the view. There is a creek that borders the property and a spring towards the back. Well, Septic and an outbuilding are all here and ready. There is also a single wide mobile home. This is the perfect set up for those who may want to build a larger home or just have a place to get away on the weekends. Come by and take a look! Priced at $63,000, MLS 921210
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5805 Cedar Run Drive, Denver NC 28037

A warm & inviting home all the way around! You can nestle down in your living room with vaulted ceilings, while you warm yourself in front of your marble fireplace with gas logs. The place to be in the mornings, will be at the bar overlooking your deck, pond and nature area. The dining room and kitchen both have beautiful ceramic tile. Plenty of custom maple cabinet in the kitchen with under cabinet lighting and a large pantry/storage area in the laundry room. All the bedrooms are on the far end of the house. The front two bedrooms have generous closet space and the carpet looks great. The master bedroom takes full advantage of the private backyard with a large window to enjoy your view. The room is very spacious and has an extra large bath, dual vanities, whirlpool tub and shower. The closet is a dream with tons of storage. All the colors in the home are warm and inviting. You can feel at home the minute you walk through the front door. The home flows well and the wood floors are durable as well as gorgeous! The sellers are very conscientious with maintenance and had Dry Pro seal the crawl space. The exterior is brick & vinyl, no painting, a roomy two car garage and concrete drive. You can benefit from all the sellers hard work and vision with the natural area out back. You have a fenced yard, but that is only half of it. They left the remaining in its original state with walking trails, bird feeders and animal habitats in tack. The wildlife comes right to your yard for your personal enjoyment. The Wood Ridge neighborhood is located in a very desirable area of Lincoln County. Only a few short minutes from the new HWY 16 By pass, this puts you in downtown Charlotte in under 30 minutes! With over 1550 sqft, ¾ acre lot, low county taxes, the North Lincoln school district, no HOA fees and an easy commute. Priced $ 224,600. What are you waiting for!
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302 Cherry Street, High Shoals NC

A quality built home never goes out of style! This large split foyer home makes the most of its woodland setting. With over 8 acres and 370’of river frontage, you can enjoy all types of outdoor activities. There is over 1000 sqft of deck to enjoy the tranquility of owning your view! Birds, deer and a plethora of other wildlife will delight even a hardened city dweller. But even though you are surrounded by nature, you haven’t had to give up convenience or location. The interior of this home is over 2900 sqft, vaulted ceilings with exposed beams, tons of windows, large rooms and a finished basement with a large den, ½ bath, garage, laundry and storage room. The great room is vast and opens onto your large porch and back deck. The kitchen is open and has a dining bar and an abundance of cabinet space. You can come in and update to your personal taste, but the quality of the home will always shine through!
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Tax Credit

Bringing the Dream of Homeownership Within Reach
As part of its plan to stimulate the U.S. housing market and address the economic challenges facing our nation, Congress has passed new legislation that:

Extends the First-Time Home Buyer Tax Credit of up to $8,000 to first-time home buyers until April 30, 2010.
Expands the credit to grant up to $6,500 credit to current home owners purchasing a new or existing home between November 7, 2009 and April 30, 2010.
Here is more information about how the Extended Home Buyer Tax Credit can help prospective home buyers become part of the American dream. If you have specific questions or need additional information, please contact a tax professional or the Internal Revenue Service at 800-829-1040.

Who Qualifies for the Extended Credit?
First-time home buyers who purchase homes between November 7, 2009 and April 30, 2010.

Current home owners purchasing a home between November 7, 2009 and April 30, 2010, who have used the home being sold or vacated as a principal residence for five consecutive years within the last eight.
To qualify as a “first-time home buyer” the purchaser or his/her spouse may not have owned a residence during the three years prior to the purchase.



If you or your client purchased a home between January 1, 2009 and November 6, 2009, please see: 2009 First-Time Home Buyer Tax Credit.

Which Properties Are Eligible?
The Extended Home Buyer Tax Credit may be applied to primary residences, including: single-family homes, condos, townhomes, and co-ops.

How Much Is Available?
The maximum allowable credit for first-time home buyers is $8,000.

The maximum allowable credit for current homeowners is $6,500.

How is a Buyer's Credit Amount Determined?
Each home buyer’s tax credit is determined by two additional factors:

The price of the home.
The buyer's income.
Price



Under the Extended Home Buyer Tax Credit, credit may only be awarded on homes purchased for $800,000 or less.

Buyer Income



Under the Extended Home Buyer Tax Credit, which is effective on November 7, 2009, single buyers with incomes up to $125,000 and married couples with incomes up to $225,000—may receive the maximum tax credit.

These income limits have changed from the 2009 First-Time Home Buyer Tax Credit limits. If you or your client purchased a home between January 1, 2009 and November 6, 2009, please see 2009 First-Time Home Buyer Tax Credit.

If the Buyer(s)’ Income Exceeds These Limits, Can He/She Still Get a Credit?
Yes, some buyers may still be eligible for the credit.

The credit decreases for buyers who earn between $125,000 and $145,000 for single buyers and between $225,000 and $245,000 for home buyers filing jointly. The amount of the tax credit decreases as his/her income approaches the maximum limit. Home buyers earning more than the maximum qualifying income—over $145,000 for singles and over $245,000 for couples are not eligible for the credit.

Can a Buyer Still Qualify If He/She Closes After April 30, 2010?
Under the Extended Home Buyer Tax Credit, as long as a written binding contract to purchase is in effect on April 30, 2010, the purchaser will have until July 1, 2010 to close.

Will the Tax Credit Need to Be Repaid?
No. The buyer does not need to repay the tax credit, if he/she occupies the home for three years or more. However, if the property is sold during this three-year period, the full amount credit will be recouped on the sale.
Contact me for more info Janet Cox

***SOLD***

The perfect little bungalow for a first time home buyer and the investor who doesn't want to do a lot of work. Home is in good condition and ready for a new owner! Great location in Cherryville, convenient to schools and shopping and a straight trip to I 85 for a quick commute. Home can go 100% financing with the USDA loan and don't forget the $8,000 tax credit!!!
House payments were cheaper than the rent the buyer was paying!!!

***SOLD***

Just looking to start you ownership dreams or maybe you want something smaller so you can live debt free. Well either way, I gotcha covered! This great little bungalow has had some upgrades and is ready for you to come in and make it your own. Replacement windows, vinyl siding, heat pump and a wooded lot. All that is good, but the location is great! There are three bedrooms and 1 bath. A roomy kitchen and dining area, and a HUGE living room. There is also an oversized deck out back for grillin’ and chillin’.
With a Rural Housing loan,30 yr fixed rate of 5%(APR 5.33) your payment are $582@month, this includes your taxes and insurance! You can finance 100% of your purchase price including your closing cost!
Call me today and let’s get it started! You missed this one, but don't let another one get buy!