10 Oak St, Belmont, NC, 28012
About This Home
Just moments from the vibrant heart of Belmont’s Main Street, this exceptional home offers the best of both worlds—unmatched convenience paired with a surprising sense of privacy. Enjoy being just seconds from dining, boutique shopping, parks, and year-round community events, all while tucked into a setting that feels peaceful and removed from the hustle. The community enhances everyday living with HOA-maintained landscaping and land care, allowing for a low-maintenance lifestyle. Residents also enjoy shared green spaces and have access to several nearby parks, perfect for relaxing, gathering, or enjoying the outdoors. Inside, the home showcases high-end finishes throughout, including thoughtfully incorporated architectural details crafted from materials sourced from historic Belmont—blending timeless character with modern design. The chef’s kitchen offers generous counter space and refined finishes, ideal for both everyday living and entertaining. The main level features 10-foot ceilings and an inviting living room centered around a gas-log fireplace, with direct access to a spacious screened-in patio—perfect for relaxing evenings, hosting friends, or enjoying the game. A dedicated dining room, private study, and full bathroom provide excellent flexibility for guests, remote work, or multi-purpose living. Upstairs, 9-foot ceilings highlight the impressive primary suite with a walk-around soaking tub, walk-in shower, and ample storage. A large loft spans the length of the upper level, offering space for a media room, home office, or recreation area, while three additional bedrooms complete the home. This is a rare opportunity to enjoy upscale comfort, low-maintenance living, and a prime Belmont location that keeps you connected—yet comfortably tucked away.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2021
Materials
- Foundation: Crawl Space
- Construction materials: Brick Full,Fiber Cement,Shingle/Shake
Other
- Builder name: Bower Traust
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Exhaust Hood,Gas Cooktop,Gas Oven,Gas Water Heater,Ice Maker,Refrigerator,Warming Drawer
- Laundry features: Laundry Room,Sink
Bathroom Full
- Level: Main
Bathroom Full
- Level: Upper
Bathroom Full
- Level: Main
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
- Main level bedrooms: 1
Dining Room
- Level: Main
Features
- Built-in Features,Kitchen Island,Open Floorplan,Walk-In Closet(s),Walk-In Pantry
- Flooring: Carpet,Laminate,Tile
- Fireplace features: Gas Log,Living Room
- Attic: Pull Down Stairs
- Finished area below ground: 0
- Finished area above ground: 2,850
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 2,850
- Total interior livable area: 2,850 sqft
Kitchen
- Level: Main
Laundry
- Level: Upper
Living Room
- Level: Main
Loft
- Level: Upper
Primary Bedroom
- Level: Upper
Study
- Level: Main
Property
Details
- Parcel number: 305302
- Zoning: NRCD
- Special condition: Standard
- Horse amenities: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Patio,Screened
- Exterior features: Fire Pit,Lawn Maintenance
- Waterfront features: None
Lot
- Lot size: 0.14 Acres
- Features: Corner Lot
Parking
- Total spaces: 2
- Parking features: Attached Garage,Garage Faces Side,Shared Driveway,Garage on Main Level
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Ice Storm
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Gaston County and North Carolina
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,398 | $52,776 |
| Home Insurance * | $251 | $3,012 |
| Property Taxes | $711 | $8,532 |
| Electricity | $265 | $3,185 |
| Total | $5,625 | $67,500 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-15 | Price change | $869,900 |
| 2026-01-05 | Price change | $879,900 |
| 2025-12-08 | Listed for sale | $890,000 |
| 2024-09-26 | Sold | $825,000 |
| 2024-08-01 | Price change | $850,000 |
| 2024-06-28 | Listed for sale | $859,900 |
| 2023-02-24 | Listing removed | -- |
| 2023-02-04 | Listed for rent | $4,300 |
| 2023-02-04 | Listing removed | -- |
| 2022-12-10 | Listed for rent | $4,300 |
| 2022-10-28 | Listing removed | -- |
| 2022-09-15 | Price change | $825,000 |
| 2022-07-22 | Price change | $850,000 |
| 2022-05-11 | Price change | $872,000 |
| 2022-04-08 | Listed for sale | $882,000 |
For Sale by Agent
View on Zillow