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John KurtzNational Real Estate

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Shelby · Shelby, NC

114 S Toney Street

Shelby, NC · 1,402 sqft

$295,000

  • 3Beds
  • 2Baths
  • 1,402SqFt
  • 1998Year
  • 1Days on market

About this home

Welcome home to this beautifully maintained 3-bedroom, 2-bath home situated on just over half an acre, where comfort, space, and thoughtful updates come together perfectly. From the moment you pull into the driveway, you'll feel the pride of ownership that shines throughout this move-in-ready property. Step inside to an inviting split-bedroom floor plan designed for both everyday living and privacy. The spacious primary suite offers a relaxing retreat complete with its own private bath, while the main living areas feature stylish luxury vinyl plank flooring that flows through the living room, kitchen, and dining area, creating a warm and cohesive feel. You'll love the peace of mind that comes with major updates already completed, including a new roof in 2024, HVAC system in 2020, and hot water heater in 2021. Additional upgrades such as an encapsulated crawlspace with dehumidifier and a partially floored attic provide both efficiency and exceptional storage space. Outside is where this home truly shines. The large back deck overlooks a fenced backyard, offering the perfect setting for summer cookouts, entertaining friends, watching pets play, or simply enjoying a quiet evening under the Carolina sky. A storage building conveys with the property, giving you plenty of room for tools, lawn equipment, and outdoor gear. Conveniently located just minutes from Boiling Springs and Gardner-Webb University, this home offers the ideal combination of modern updates, functional living space, and a location that's close to everything while still providing room to spread out. If you've been searching for a home that's been lovingly cared for and is truly move-in ready, this one checks all the boxes. Schedule your showing today before it's gone!

Property details

Beds
3
Baths
2
SqFt
1,402
Lot
Year built
1998
Type
Single Family
Days on market
1
Heating
Forced Air, Natural Gas
Cooling
Central Air
Foundation
Crawl Space

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$2,171/ month

Principal & interest
$1,827
Property tax (~1.05%)
$258
Homeowners insurance
$86
HOA dues

Down payment

$14,750 down · $280,250 financed

Income to qualify (28% rule)

~$93,051 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he 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.