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3486 Mason Spring Dr #10, Lincolnton, NC, 28092

4beds
3baths
2,300sqft
$595,000
$259price/sqft
$3,768/moest. monthly cost
$150,720/yrincome needed

About This Home

This 4 bedroom/3 full bathroom home is a great property in the sought-after school district of Pumpkin Center and North Lincoln. Beautiful quiet neighborhood. No association. Located on a cul-de-sack lot. Hard to find location, within 10-15 minutes to Freeways, shopping and everything else including Atrium health Hospital. Rocking chair covered front porch. Back covered deck/balcony. The property has engineered wood flooring throughout except all bathrooms and laundry room which have tile flooring. Custom cabinetry in kitchen and bathrooms. Gorgeous Granite countertops. Eat in Kitchen nook and breakfast bar. Large great room, Formal dining room and a nice entry hall. Master suite with a computer niche or sitting area on main level. Master walk-in closet with built-ins. Master bath has a STEAM Room shower. Can be used only as steam room if desired, or just regular shower. Nice laundry room with utility sink and storage area. 2 bedrooms and 1 full bathroom on main level. 1 bedroom, 1 full bath and a bonus room upstairs. Walk in large attic. Also, a site-built tool shed/shop with electric and combo lock on the door. Seller will have the entire house painted with acceptable offer to be done after closing. Buyer's choice of color. Or paint allowance.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

5/10
6/10
North Lincoln MiddleGrades 6-82.0 mi
6/10
North Lincoln High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Partial,Vinyl

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater,Microwave,Plumbed For Ice Maker,Refrigerator with Ice Maker,Self Cleaning Oven
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Sink

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Breakfast Bar,Built-in Features,Open Floorplan,Walk-In Closet(s),Other - See Remarks
  • Window features: Insulated Windows
  • Flooring: Laminate,Tile
  • Attic: Walk-In
  • Finished area below ground: 0
  • Finished area above ground: 2,300

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 2,300
  • Total interior livable area: 2,300 sqft

Primary Bedroom

  • Features: Ceiling Fan(s),Computer Niche,Garden Tub,Split BR Plan,Tray Ceiling(s),Walk-In Closet(s)
  • Level: Main
  • Dimensions: 0' 0" X 0' 0"

Property

Accessibility

  • Accessibility features: Two or More Access Exits

Details

  • Parcel number: 50830
  • Zoning: R-SF
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Balcony,Covered,Front Porch,Rear Porch
  • Exterior features: Storage
  • Waterfront features: None

Lot

  • Lot size: 1.12 Acres
  • Features: Cul-De-Sac,Flood Plain/Bottom Land,Sloped

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,Keypad Entry,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
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Inland Flooding
Strong Wind
Tornado

FEMA Declared Disasters in Lincoln County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

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

MonthlyAnnual
Mortgage $3,008$36,096
Home Insurance *$244$2,928
Property Taxes $302$3,624
Electricity $214$2,570
Total$3,768$45,216
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$129,188/yr
40% on housing$113,040/yr
45% on housing$100,480/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

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.

Insurance Growth Rate5-year average: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 8.5%
8.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$259This listing

vs Other Active Listings

Avg $/sqft

ZIP 28092$166
Lincoln County$222

vs Homes Sold Last Month

Median $/sqft

ZIP 28092$183
Lincoln County$204

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

DateEventPrice
2026-08-08Price change$580,000
2026-07-01Listed for sale$595,000

For Sale by Agent

AgentMelita Oaida
BrokerageAnchor Home Realty

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