Agent profile image in chat bubble
Agent profile image in chat header

Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

Agent profile image in message

3407 Ratchford Dr , Gastonia, NC 28056
$349,900
Est. Payment: $1,792.36/mo
3 Bed
3 Bath
2036 Sqft
Status: active | Days on site: 90
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Terri Bias, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Terri Bias
Operator/Brokerage Owner

House Description

Nearly an acre, over 2,000 square feet, a finished basement, and major updates already completed! This 3-bedroom, 2.5-bath Gastonia home offers the space and flexibility that can be hard to find at this price point, with a large private lot, multiple living areas, and plenty of room to make the home fit your lifestyle. Inside, you'll find a spacious kitchen with stainless steel appliances and abundant cabinetry, along with a comfortable primary suite featuring an updated ensuite bath and walk-in shower. The finished basement adds an entirely different level of versatility, with a large second living area that could work as a rec room, media room, guest space, or potential fourth bedroom. A separate flex room offers even more options for a home office, gym, playroom, or hobby space, plus generous basement storage. Several of the big-ticket improvements have already been taken care of, including a new roof in 2025, septic system installed in 2023, and newer HVAC system. Outside is where this property really stands apart. Situated on nearly an acre, the expansive yard offers room for pets, gardening, entertaining, outdoor activities, or simply enjoying the extra space and privacy. Mature trees add to the peaceful setting while still leaving plenty of usable yard. Conveniently located with easy access to Gastonia, Belmont, Lake Wylie, and the Charlotte area, this home offers the breathing room of a larger property without giving up access to shopping, dining, recreation, and everyday conveniences If you've been looking for more house, more land, and more flexibility without sacrificing location, 3407 Ratchford Drive deserves another look.

Highlights

Listed by Rikki Surratt , 980-214-8810 RE/MAX Executive , 803-578-7989. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.89

Year Built

1947

County

Gaston

Neighborhood

None

Listing ID

4385064

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Oven
Air Cond:Central Air
Fireplaces:
Floor:Carpet,Vinyl
Above Ground Sq Ft:1292
Below Ground Sq Ft:744
Basement:Finished
Other:
  • Additional:Master on Main
Water:Well

Exterior Features

Lot:Open Lot,Wooded
Zoning:R-1
Roof:Architectural Shingle
Sewer:Septic Installed
Parking Features:Driveway
Principal Interest
$1,792
Taxes
$223

Home Price

$349,900

Loan Details

30 yrs
6.625%

Down Payment

20%
$69,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,792.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,792.36 $223.06 $0.00 $2,015.42
Yearly $21,508.30 $2,676.74 $0.00 $24,185.04
Total $645,249.04 $80,302.05 $0.00 $725,551.09

Today's Rates

30 Year

6.63%

20 Year

6.38%

15 Year

6%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
Market insight data is pulled from the same city as the listing being viewed (Gastonia, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Terri Bias and Associates | PLACE nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.
Listings courtesy of Canopy MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-08-24T16:15:07.000Z

© 2026 Canopy MLS

MLS Logo - Canopy MLS