113 7th St Spencer, NC 28159

Welcome to 113 7th Street in Spencer—The seller is offering an incredible $5,000 in Closing Cost Assistance that can be used to buyer down your interest rate. This home is an inviting one-story home that blends timeless character with everyday ease. With 3 bedrooms, 2 full baths, and 1,365 square feet, all bedrooms are on the main level, including the primary suite and a dedicated laundry room, so your daily routine flows naturally. Enjoy a covered front porch for slow mornings, a deck for cookouts and crisp fall evenings, and practical comforts like heat-pump heating, central A/C, an unfinished basement for storage/workspace, plus accessibility features including a ramp to the main level. Set on a 0.17-acre lot with driveway and on-street parking, and finished with a metal roof and low-maintenance vinyl exterior, this home is positioned to be both charming and sensible. Location seals the deal: you’re minutes from Salisbury (about a 9-minute drive) for dining, shopping, theaters, and historic attractions, and close to Spencer’s signature destination—the N.C. Transportation Museum with hands-on exhibits, seasonal train rides, and special events. If you’ve been waiting for a home that feels “move-in ready” without feeling out of reach, this is the one to see in person—because the right homes don’t stay a secret for long. Financing help that can change the math: eligible buyers can explore the Wells Fargo Homebuyer Access® grant—a $10,000 down payment grant with no repayment required (full amount must be applied; eligibility is location, income, and underwriting-based; and it’s available with a Wells Fargo fixed-rate conventional loan). The grant may also be combined with other select programs, and you may be able to pair it with the Dream. Plan. Home.® closing cost credit (up to $5,000 in eligible areas). Beyond Wells Fargo, North Carolina Housing Finance Agency options may provide additional support, including the NC 1st Home Advantage Down Payment ($15,000 for eligible first-time buyers or military veterans who qualify for an NC Home Advantage MortgageTM) and the Community Partners Loan Pool (up to 25% of the sales price, not to exceed $50,000, when combined with an NC Home Advantage MortgageTM, or up to 10% with USDA Section 502). Local resources through Rowan County and Salisbury-area housing partners can also confirm any city/county assistance that may be available. Ask your lender to verify eligibility for any program based on your income, loan type, and the home’s location—and then come tour 113 7th Street and decide if this is where your next chapter starts.