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589 E Catawba St, Belmont, NC, 28012

4beds
4baths
2,174sqft
$549,000
$253price/sqft
$3,613/moest. monthly cost
$144,520/yrincome needed

About This Home

Experience luxury living in this stunning three-story condo in the heart of Belmont. This light-filled residence showcases soaring ceilings, expansive windows, and an open-concept design that blends modern comfort with timeless style. Warm hardwood floors flow throughout the main living areas, creating an inviting space perfect for both everyday living and entertaining. The chef’s kitchen features rich cabinetry, stainless steel appliances, generous counter space, and a breakfast bar that opens seamlessly to the dining area. The living room is highlighted by dramatic windows that flood the space with natural light and offer elevated views, creating a bright and airy atmosphere. Multiple levels provide privacy and flexibility, ideal for a home office, guest space, or additional living area. Thoughtfully designed finishes, statement lighting, and curated details elevate every room. Basement is additional storage. Step outside to enjoy city views and fresh air, all while being moments from Belmont’s dining, shopping, and entertainment. This exceptional condo offers the perfect combination of luxury, space, and location—a rare opportunity for refined urban living in one of Belmont’s most desirable areas.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

--
J B Page Primary SchoolGrades PK-10.6 mi
5/10
Belmont Middle SchoolGrades 6-81.6 mi
9/10
South Point High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1929

Materials

  • Construction materials: Brick Full

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Water Heater,Microwave
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Storage Space

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Third

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Breakfast

  • Level: Main

Features

  • Elevator,Soaking Tub,Open Floorplan,Storage
  • Flooring: Carpet,Tile,Wood
  • Finished area below ground: 0
  • Finished area above ground: 2,174

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,907
  • Total interior livable area: 2,174 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 208812
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: Main
  • Patio & porch: Balcony
  • Exterior features: Other - See Remarks

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Tornado
Inland Flooding

FEMA Declared Disasters in Gaston 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 $2,776$33,312
Home Insurance *$158$1,896
Property Taxes $477$5,724
Electricity $202$2,429
Total$3,613$43,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,874/yr
40% on housing$108,390/yr
45% on housing$96,346/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: 16.2%
16.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$253This listing

vs Other Active Listings

Avg $/sqft

ZIP 28012$209
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28012$223
Gaston County$187

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
2026-03-20Price change$559,000
2026-01-19Listed for sale$565,000
2019-08-27Sold$275,000
2019-03-26Listing removed$300,000
2019-03-21Listed for sale$300,000

For Sale by Agent

AgentPauline Katsoudas
BrokerageRE/MAX Executive

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