101/103 Baldwin Ave, Spencer, NC, 28159
About This Home
**Up to 5% in closing credit and discounted property management cost for first year when using preferred lender & property manager. Each side of this well-designed duplex features a spacious, mirror-image floor plan with 3 bedrooms, 2.5 bathrooms, private entrances, and a functional two-story layout. The main level offers an open-concept living and dining area, a modern kitchen with island and pantry, a convenient half bath, laundry area, and access to a rear patio. Upstairs, you'll find three generously sized bedrooms, including a primary suite with private bath, plus a second full bathroom and ample closet space. Whether you're expanding your investment portfolio or looking to house hack by living in one unit while renting the other, this low-maintenance duplex offers strong rental appeal, practical layouts, and excellent income-producing potential. **Note - interior pictures are from another property with same floorplan
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Slab
- Construction materials: Vinyl
Other
- Builder name: Ardent Building Group
Type & Style
- Home type: MultiFamily
- Property subType: Duplex
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Oven,Refrigerator with Ice Maker
- Laundry features: Electric Dryer Hookup,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 4
- 1/2 bathrooms: 2
Features
- Finished area below ground: 0
- Finished area above ground: 2,610
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,610
- Total interior livable area: 2,610 sqft
Property
Details
- Parcel number: 033 459
- Zoning: R8
- Special condition: Standard
Lot
- Lot size: 0.13 Acres
Parking
- Parking features: Driveway
- 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
- Cold Wave
- Ice Storm
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Rowan 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 | $2,275 | $27,300 |
| Home Insurance * | $278 | $3,336 |
| Property Taxes | $251 | $3,012 |
| Electricity | $243 | $2,917 |
| Total | $3,047 | $36,564 |
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 |
|---|---|---|
| 2026-07-21 | Listed for sale | $450,000 |
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