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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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413 Colton St , Oakboro, NC 28129
$400,000
Est. Payment: $2,049.00/mo
4 Bed
3 Bath
2727 Sqft
Status: active | Days on site: 81
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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Terri Bias
Operator/Brokerage Owner

House Description

Are you tired of looking at all the houses that need a total rehab...$$$$? Look no further! Imagine waking up in a home that just feels right...where the layout flows, the finishes impress with new floors, and every space has a purpose. This stunning 4-bedroom retreat delivers exactly that, blending modern style with the kind of everyday comfort that makes a house a home. At the center of it all sits a chef-worthy kitchen designed to inspire with gleaming granite countertops, a commanding island perfect for gathering, crisp white cabinetry, and stainless-steel appliances . The open floor plan connects seamlessly to a light-filled living room, which spills out onto a private deck...your new favorite spot for morning coffee, summer cookouts, or simply unwinding as the day winds down. Your primary suite is a true sanctuary. Think spa-like luxury: a dual-sink vanity, a soaking garden tub, a separate walk-in shower, and a walk-in closet with room for everything. Whether you're starting your day or ending it, this space was built for rest and restoration. Upstairs, flexibility reigns with a spacious bonus room/loft which adapts to whatever life demands. Whether that's a home office, playroom, or media den, alongside an additional bedroom and a full bath. A walk-in crawl space keeps storage organized and accessible, so nothing ever ends up crammed where it doesn't belong. This is the one that has it all: space, style, and a layout designed for real life. USDA 100% financing eligible — own this home with zero down.

Highlights

Listed by Heather Hopkinson , 704-562-2071 Heather Hopkinson & Associates , 704-562-2071. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.34

HOA Fee

324 Annually

Year Built

2022

County

Stanly

Neighborhood

Ruby Ridge

Listing ID

4378808

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Plumbed For Ice Maker
Air Cond:Central Air,Electric
Fireplaces:Propane
Floor:Carpet,Laminate,Vinyl
Above Ground Sq Ft:2727
Below Ground Sq Ft:0
Other:
  • Additional:Garden Tub, Kitchen Island, Open Floorplan, Pantry, Split Bedroom, Walk-In Closet(s), Has Fireplace, Master on Main
Water:City

Exterior Features

Sewer:Public Sewer
Parking Features:Driveway,Attached Garage
Principal Interest
$2,049
Taxes
$255
HOA
$324

Home Price

$400,000

Loan Details

30 yrs
6.625%

Down Payment

20%
$80,000
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:
$2,049.00

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,049.00 $255.00 $324.00 $2,628.00
Yearly $24,587.94 $3,060.00 $3,888.00 $31,535.94
Total $737,638.23 $91,800.00 $116,640.00 $946,078.23

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 (Oakboro, 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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