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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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615 Smith St , Shelby, NC 28150
$189,900
Est. Payment: $972.76/mo
3 Bed
2 Bath
1200 Sqft
Status: active | Days on site: 21
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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

INVESTOR SPECIAL | UNFINISHED NEW CONSTRUCTION | PROJECTED ARV $225K+ Excellent opportunity for an investor, builder, or contractor to step in and complete this unfinished new construction home in Shelby. Offering a desirable 3-bedroom, 2-bath floor plan, this property provides a strong foundation for a potential fix-and-finish investment, resale project, or addition to an investment portfolio. The home has been thoughtfully designed with today's buyer in mind, featuring an open-concept layout with spacious living, dining, and kitchen areas. The floor plan includes a private primary suite with an en-suite bathroom, two additional bedrooms, and a second full bath. The property is not yet complete and will require additional construction, finishes, fixtures, and/or other work prior to occupancy. This gives the next owner an opportunity to complete the home, select remaining finishes, and bring the project across the finish line. Once fully completed, the property has a projected ARV of $225K+, offering exciting potential for the right investor. Conveniently located just minutes from Uptown Shelby with access to restaurants, shopping, parks, healthcare, community amenities, and major highways. Bring your contractor, your vision, and your numbers. 615 Smith Street is ready for its next investor to finish what has been started and unlock its full potential.
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Highlights

Listed by Abigail Wilson , 704-491-3031 Keller Williams Ballantyne Area , 704-887-6600. Canopy MLS mls logo

Property Type

Residential
Lot/Acreage
0.15

Year Built

2026

County

Cleveland

 Neighborhood

None

Listing ID

4406914

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Disposal, Electric Oven, Electric Range
Air Cond:Central Air
Fireplaces:
Floor:Vinyl
Above Ground Sq Ft:1200
Below Ground Sq Ft:0
Other:
  • ▪ Additional:Master on Main
Water:City

Exterior Features

Sewer:Public Sewer
Parking Features:Driveway
Principal Interest
$973
Taxes
$121

Home Price

$189,900

Loan Details

30 yrs
6.625%

Down Payment

20%
$37,980
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:
$972.76

Principal

Taxes

Principal Taxes HOA Total
Monthly $972.76 $121.06 $0.00 $1,093.82
Yearly $11,673.12 $1,452.74 $0.00 $13,125.86
Total $350,193.75 $43,582.05 $0.00 $393,775.80

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 (Shelby, 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

© 2026 Canopy MLS

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