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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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613 E 5th St , Spencer, NC 29159
$165,000
Est. Payment: $845.21/mo
3 Bed
2 Bath
2049 Sqft
Status: active | Days on site: 469
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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

HUGE PRICE REDUCTION: NOW $165,000, reduced $30,000 on July 12, 2026 OWNER FINANCING with due diligence fee required (at least $10,000). Home may be converted to duplex (two front doors) subject to ordinances. Large lot. Just a short walk from NC Transportation Museum, public library, park, and baseball field. Parcel consists of two full parcels and parts of three others - no survey. Close to multiple major employers (Chewy, RV Center, Owens Corning, Food Lion) and county is growing rapidly. GE Monogram double oven remains, drawer microwave remains, framing lumber and plywood remains. French drain remains (uninstalled), claw-footed tub remains. Upright piano remains. Most furniture remains. All personal property and additional equipment subject to being on property at closing. Tools and generator do not convey and will be removed by seller before closing date. Four fireplaces - no representation. Bedrooms # could change with remodel. Plan was to get and re-configure. Solid attic could be converted to living area. Agent is owner.
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Highlights

Listed by Bill Martin , 704-906-1902 RLSTATE dot com , 704-554-1100. Canopy MLS mls logo

Property Type

Residential
Lot/Acreage
0.46

Year Built

1911

County

Rowan

 Neighborhood

None

Listing ID

4240935

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 1/2 Bathrooms:1
Appliances:Double Oven
Floor:Vinyl,Wood,Other - See Remarks
Above Ground Sq Ft:2049
Below Ground Sq Ft:0
Basement:Dirt Floor,Storage Space,Unfinished,Walk-Up Access
Other:
  • ▪ Additional:Attic Other, Storage, Other - See Remarks, Has Fireplace, Master on Main
Water:City

Exterior Features

Lot:Flood Fringe Area,Hilly,Level,Rolling Slope,Creek/Stream,Other - See Remarks
Lot Dimensions:66.6 x 299.7
Roof:Composition,Other - See Remarks
Others:
  • ▪ Additional:Other - See Remarks
Sewer:Public Sewer
Parking Features:Driveway,On Street,Other - See Remarks
Principal Interest
$845
Taxes
$105

Home Price

$165,000

Loan Details

30 yrs
6.625%

Down Payment

20%
$33,000
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:
$845.21

Principal

Taxes

Principal Taxes HOA Total
Monthly $845.21 $105.19 $0.00 $950.40
Yearly $10,142.53 $1,262.25 $0.00 $11,404.78
Total $304,275.77 $37,867.50 $0.00 $342,143.27

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 (Spencer, 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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