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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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5203 Spring Morning Ln , Monroe, NC 28110
$319,900
Est. Payment: $1,638.68/mo
3 Bed
2 Bath
1262 Sqft
Status: active with contingency | Days on site: 2
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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.
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Terri Bias
Operator/Brokerage Owner
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House Description

Your new home is calling! Welcome to this beautifully maintained one-owner ranch home that offers the perfect combination of privacy, convenience, and affordability. Nestled on a spacious half-acre lot with NO HOA, this move-in-ready home provides the freedom to enjoy your property without HOA fees. Designed for easy everyday living, this beauty features a functional floor plan with comfortable living spaces, making it ideal for first-time buyers, downsizers, or anyone seeking the convenience of one-level living. Pride of ownership is evident throughout, as this home has been lovingly cared for and exceptionally maintained. Step outside to enjoy the spacious backyard, offering endless possibilities for entertaining, gardening, or simply relaxing in your own private outdoor retreat. Located in desirable Union County, you'll benefit from top-rated Union County schools and lower property taxes while still being just minutes from Sun Valley Commons, where you'll find abundant shopping, dining, entertainment, and everyday conveniences. With easy access to major highways, Downtown Monroe, and the greater Charlotte area, commuting and exploring the region couldn't be more convenient! If you've been searching for a well-maintained home with NO HOA, a large lot, one-level living, low Union County taxes, and an unbeatable location, this is the one you've been waiting for. Welcome Home! Seller prefers an as-is sale. The home has been meticulously maintained by its original owner. **New flooring in the living room** The roof was replaced in 2024. The back of the house is located within the FEMA 100-year floodplain, and the buyer's lender may require flood insurance. The owner currently does not carry flood insurance and is not aware that there is an elevation certificate. Please see the FEMA Map link: https://msc.fema.gov/portal/search?AddressQuery=5203%20spring%20morning%20lane%20Monroe%20nc According to the seller, the home has never experienced flooding, including during major storm events. A creek runs along the rear of the property, adding to the natural setting.
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Highlights

Listed by Christy Solomon , 704-466-2788 Premier South , 704-829-3518. Canopy MLS mls logo

Property Type

Residential
Lot/Acreage
0.54

Year Built

1988

County

Union

 Neighborhood

Clover Bend

Listing ID

4405485

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Microwave, Oven
Air Cond:Ceiling Fan(s),Central Air
Fireplaces:
Above Ground Sq Ft:1262
Below Ground Sq Ft:0
Other:
  • ▪ Additional:Has Fireplace, Master on Main
Water:City

Exterior Features

Zoning:AP4
Sewer:Public Sewer
Parking Features:Driveway,Attached Garage
Principal Interest
$1,639
Taxes
$204

Home Price

$319,900

Loan Details

30 yrs
6.625%

Down Payment

20%
$63,980
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:
$1,638.68

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,638.68 $203.94 $0.00 $1,842.62
Yearly $19,664.21 $2,447.24 $0.00 $22,111.44
Total $589,926.17 $73,417.05 $0.00 $663,343.22

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 (Monroe, 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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