Shelby · Shelby, NC
4501 Polkville Road
Shelby, NC · 985 sqft
$189,000
Reduced from $195,000
- 2Beds
- 1Baths
- 985SqFt
- 1938Year
- 117Days on market
About this home
Move right in to this 2-bedroom, 1-bath brick home full of character and thoughtful updates. New refrigerator just added. Fresh paint and updated flooring give the interior a clean, modern feel, while the brand-new roof provides long-term peace of mind. An unfinished basement provides abundant storage. Sitting on a generous corner lot, the property offers ample yard space for gardening, relaxing, or enjoying the stunning mountain views surrounding the home. This well-cared-for home blends classic charm with modern convenience—an ideal choice for first-time buyers, downsizers, or anyone looking for a move-in-ready gem. Don’t miss this opportunity! Seller is offering a ONE year home warranty.
Property details
- Beds
- 2
- Baths
- 1
- SqFt
- 985
- Lot
- —
- Year built
- 1938
- Type
- Single Family
- Days on market
- 117
- Heating
- Oil
- Cooling
- Central Air
- Foundation
- Basement
- Flooring
- Tile, Vinyl
- View
- Mountain(s)
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance
$1,391/ month
- Principal & interest
- $1,170
- Property tax (~1.05%)
- $165
- Homeowners insurance
- $55
- HOA dues
- —
Down payment
$9,450 down · $179,550 financed
Income to qualify (28% rule)
~$59,616 / 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.