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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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1903 Miners Creek Dr , Lincolnton, NC 28092
$979,900
Est. Payment: $5,019.53/mo
4 Bed
5 Bath
5416 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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Terri Bias
Operator/Brokerage Owner

House Description

Welcome home to this stunning 4-bedroom, 4.5-bath custom-built home offering over 5,400 sq ft of thoughtfully designed living space in Lincolnton! This exceptional property blends comfort, functionality, and resort-style outdoor living on a beautifully landscaped lot. The main level welcomes you with a chef's kitchen featuring stainless steel appliances (most replaced within the last 5 years), a large center island, walk-in pantry, and a separate coffee bar — perfect for entertaining. The formal dining room is currently used as a home office with built-in storage, and could easily be converted back into a dining room to suit your needs. The main-level primary suite is a true retreat with a spa-like bath boasting dual vanities, a separate water closet, dual shower heads, a large garden tub, and walk-in closet with custom shelving. A cozy living room featuring a stone, gas log fireplace and large windows spanning nearly the entire wall fills the space with natural light. A spacious laundry room with sink and plenty of storage, and a convenient drop zone at the garage entry complete the main level. Upstairs you'll find a large bonus room, two additional bedrooms sharing a Jack-and-Jill bath (one with a queen Murphy bed for flexible guest/office use), a third bedroom with its own full bath access, and a charming reading nook ideal as a play area or small office. Downstairs, the finished walkout basement delivers the ultimate entertaining space — a spacious rec room, full wet bar, and an electric hookup ready to support a second kitchen. With its own separate entrance, this level offers outstanding potential as an in-law or multigenerational suite. There are two additional rooms (each with a closet), a full bathroom, and a heated/cooled unfinished flex space, currently used as a gym, with storage area attached. Step outside to your own private oasis: a screened porch off the kitchen, a large second-level open deck, and stairs leading down to an expansive paver patio complete with a fireplace, pizza oven, hot tub, and built-in fire pit. A lighted, landscaped pathway connects the patio to the driveway, and the 2-car garage offers built-in storage and its own separate entrance. Recent updates include a new roof (Sept 2024), new water heater (Aug 2026), upstairs HVAC (2025), and septic system pumped in 2025, offering peace of mind for years to come. Sellers are offering a $7,500 concession with an acceptable offer! This one-of-a-kind property offers space, versatility, and incredible outdoor living — schedule your private showing today!

Highlights

Listed by Eva Harvey , 980-420-2426 Berkshire Hathaway Homeservices Landmark Prop , 704-896-0001. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
2.02

HOA Fee

550 Annually

Year Built

2008

County

Lincoln

Neighborhood

Miners Creek

Listing ID

4415577

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Electric Oven, Electric Water Heater, Exhaust Hood, Gas Cooktop, Microwave, Wall Oven
Air Cond:Ceiling Fan(s),Central Air
Fireplaces:Gas Log,Living Room,Propane
Above Ground Sq Ft:3804
Below Ground Sq Ft:1612
Basement:Exterior Entry,Interior Entry,Partially Finished,Storage Space,Walk-Out Access
Other:
  • Additional:Attic Stairs Pulldown, Drop Zone, Kitchen Island, Walk-In Closet(s), Walk-In Pantry, Has Fireplace, Master on Main
Water:County Water

Exterior Features

Lot:Cul-De-Sac
Others:
  • Additional:Fire Pit, Hot Tub
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage,Garage Door Opener,Garage Faces Side
Principal Interest
$5,020
Taxes
$625
HOA
$550

Home Price

$979,900

Loan Details

30 yrs
6.625%

Down Payment

20%
$195,980
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:
$5,019.53

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,019.53 $624.69 $550.00 $6,194.21
Yearly $60,234.31 $7,496.24 $6,600.00 $74,330.54
Total $1,807,029.25 $224,887.05 $198,000.00 $2,229,916.30

Today's Rates

30 Year

6.63%

20 Year

6.38%

15 Year

6%

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Market insight data is pulled from the same city as the listing being viewed (Lincolnton, 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: 2026-08-24T14:14:07.000Z

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