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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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2981 Oak Ridge Cir , Lincolnton, NC 28092
$599,000
Est. Payment: $3,068.37/mo
3 Bed
4 Bath
2209 Sqft
Status: active | Days on site: 10
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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Terri Bias
Operator/Brokerage Owner

House Description

Showing start 8/18/26. WOW—what a transformation! This home has been completely renovated from top to bottom, with reimagined spaces designed for comfortable, flexible living. So many updates have been completed in the past two years, there are simply too many to list! From the long, inviting driveway, you’ll arrive at this stately home nestled on over 2 acres of lush, mature land—and best of all, there’s no HOA. Enjoy your morning coffee from either the charming front porch, surrounded by mature rose bushes, or the newly added screened-in back porch. With peaceful, serene spaces surrounding the home, it’s easy to feel tucked away from it all. Inside, prepare to be impressed by the beautifully renovated eat-in kitchen featuring custom shaker cabinetry, quartz countertops, a GE appliance package, and a walk-in pantry. The kitchen flows seamlessly into the dining and living areas, creating an ideal layout for everyday living and entertaining. The spacious dining room is perfect for entertaining and features custom built-ins and a beverage fridge. An updated half bath and additional flex room add even more versatility, which would be the perfect spot for a home office, playroom, or potential additional bedroom. Upstairs, you’ll find two spacious primary suites, each complete with an en-suite bathroom and walk-in closet. An additional bedroom and third full bathroom complete the upper level. All of the bathrooms have been beautifully renovated with designer finishes and thoughtful details. The outdoor living spaces are just as inviting, with a newly fenced backyard, paver patio, pergola, and fire pit area—perfect for relaxing, gathering, and keeping the party going long after the sun goes down. Other notable updates include full interior paint throughout, updated lighting throughout, exterior has been painted, new windows, a new garage door, and a finished garage space that would make an excellent home gym, workshop, or hobby space. The home also features a Culligan water softening and reverse osmosis system, providing some of the purest, best-tasting water throughout the home. With extensive renovations, flexible living spaces, over 2 acres, and no HOA, this one truly offers the best of comfort, privacy, and convenience.

Highlights

Listed by Ryan Wilson , 704-361-7800 Southern Homes of the Carolinas, Inc , 704-896-2000. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
2.03

Year Built

1985

County

Lincoln

Neighborhood

Royal Oaks

Listing ID

4414617

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Electric Range, Plumbed For Ice Maker
Air Cond:Central Air
Fireplaces:Living Room,Non-Functional
Floor:Carpet,Tile,Vinyl
Above Ground Sq Ft:2209
Below Ground Sq Ft:0
Other:
  • Additional:Pantry, Split Bedroom, Storage, Walk-In Closet(s), Walk-In Pantry, Has Fireplace
Water:Well

Exterior Features

Lot:Corner Lot,Level,Private,Wooded
Others:
  • Additional:Fire Pit
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage,Detached Garage,Garage Door Opener,Garage Faces Front,Garage Faces Side,Garage Shop,Keypad Entry,Tandem
Principal Interest
$3,068
Taxes
$382

Home Price

$599,000

Loan Details

30 yrs
6.625%

Down Payment

20%
$119,800
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:
$3,068.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,068.37 $381.86 $0.00 $3,450.23
Yearly $36,820.44 $4,582.35 $0.00 $41,402.79
Total $1,104,613.25 $137,470.50 $0.00 $1,242,083.75

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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