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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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3610 Thrift Dr , Lincolnton, NC 28092
$540,000
Est. Payment: $2,766.14/mo
3 Bed
2 Bath
2049 Sqft
Status: active with contingency | Days on site: 2
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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Terri Bias
Operator/Brokerage Owner

House Description

32.61 acres. Over 4,000 feet of South Fork Catawba River frontage. Endless possibilities. This rare property offers the space, privacy, and natural beauty to create the rural retreat, mini-farm, or recreational property you’ve been looking for. The 3-bedroom, 2-bath home is clean and move-in ready while offering an opportunity to update and make it your own. Two bedrooms and an updated full bath are located on the main level, along with a sunroom and deck—perfect spots to relax and enjoy the peaceful surroundings. The partially finished basement adds even more living space with a den, additional bedroom, updated full bath, laundry room, and extra garage. Outside, the possibilities are just as impressive. An oversized two-car garage provides plenty of room for vehicles, equipment, or hobbies, while the existing barn and workshop offer useful space with plenty of potential for someone willing to give them some TLC. With acreage for gardening, horses, livestock, recreation, or simply enjoying the peaceful riverfront setting, this property offers a rare combination of usable land and natural beauty. Whether you envision a private homestead, working mini-farm, weekend retreat, or simply a place with room to spread out, this one deserves a look. Properties with this much acreage and this much river frontage are a rare find! This property is within 1/2 mile of a voluntary agriculture district.

Highlights

Listed by Brooke White , 828-446-7965 Coldwell Banker Boyd & Hassell , 828-322-1005. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
32.61

Year Built

1978

County

Catawba

Neighborhood

None

Listing ID

4414930

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Electric Range
Air Cond:Heat Pump
Fireplaces:Den,Living Room,Wood Burning,Wood Burning Stove
Floor:Carpet,Vinyl
Above Ground Sq Ft:1283
Below Ground Sq Ft:766
Basement:Basement Garage Door,Bath/Stubbed,Interior Entry,Partially Finished
Other:
  • Additional:Has Fireplace, Master on Main
Water:Well

Exterior Features

Lot:Flood Plain/Bottom Land,Private,River Front
Sewer:Septic Installed
Parking Features:Attached Garage
Principal Interest
$2,766
Taxes
$344

Home Price

$540,000

Loan Details

30 yrs
6.625%

Down Payment

20%
$108,000
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:
$2,766.14

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,766.14 $344.25 $0.00 $3,110.39
Yearly $33,193.72 $4,131.00 $0.00 $37,324.72
Total $995,811.61 $123,930.00 $0.00 $1,119,741.61

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: 2026-08-24T12:13:06.000Z

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