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$274,900 Just Listed
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Property Description
Welcome to a property that offers the increasingly rare combination of usable land, manageable square footage, and convenient access to major routes. This 3-bedroom, 2-bath home with 1,249 square feet sits on approximately 0.96 acres, providing space to breathe without sacrificing proximity to town. Step inside and you'll immediately notice the light that fills the main living areas. The living room flows comfortably into the dining space, creating an open yet defined layout that supports both everyday living and gatherings. The floor plan is practical and easy to navigate, offering clear separation between living areas and bedrooms. The kitchen provides generous counter space and cabinet storage, allowing for efficient meal preparation and organization. Whether preparing daily meals or hosting guests, the layout supports functionality without wasted space. The proximity of the dining area makes serving and entertaining seamless. The primary suite includes an en-suite bathroom, offering privacy and convenience within the home. The two additional bedrooms are well-sized and share a full hall bathroom. Closet space throughout the home provides practical storage solutions, helping keep the living areas organized and uncluttered. Beyond the interior, the nearly one-acre lot is where this property truly expands its potential. With approximately 0.96 acres, the outdoor space offers flexibility rarely found in homes of this size. There is room to create gardens, establish recreational areas, add a workshop, or simply maintain open space for enjoyment and privacy. The depth and width of the lot provide options for future planning while still maintaining manageable upkeep. Properties with this amount of land offer the ability to shape the outdoor environment to meet individual needs. Whether that includes additional storage structures, outdoor seating areas, or landscaped features, the lot supports a range of possibilities. The home's location adds another layer of value. Situated just minutes from Highway 321, commuting is straightforward and allows you to spend more time at home or at the golf course! Glen Oaks Country Club and golf course is about a mile away. Access to nearby shopping, dining, and everyday conveniences ensures practical living without long travel times.
Full Property Details
Full Property Details for 3124 Banks St
General
- Price: $274,900
- Status: Active
- Type: Single Family
- Source: Charlotte_Regional_Realtor_Association
- MLS ID: 4338307
- Updated: 2/16/2026
- Added to Site: 2 day(s) ago
Interior
- Interior Features: Open Floorplan, Pantry, Split Bedroom, Walk-In Closet(s)
- Appliances: Dishwasher, Electric Water Heater, Gas Range, Microwave
- Flooring: Carpet, Tile, Wood
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
- Main - Full Baths: 2
Bedrooms
- Total Bedrooms: 3
- Bedrooms Main & Up: 3
Other Rooms
- Laundry: Electric Dryer Hookup, Laundry Room, Main Level, Washer Hookup
Additional Information
- Shared Amenities: None
Parking
- Carports: Yes
- Carport Spaces: 2
- Parking Features: Attached Carport, Driveway
Location
- County: Lincoln
- Driving Directions: From Lincolnton, take Maiden Hwy North. Turn left onto Finger Mill Rd. Turn left onto Hatchett Rd. Turn right onto Banks Rd. Home is on the right. See sign.
School Information
- Elementary School: Battleground
- Middle School: Lincolnton
- High School: Lincolnton
Heating & Cooling
- Cooling Type: Ceiling Fan(s), Heat Pump
- Heating Type: Heat Pump
Utilities
- Sewer: Septic Installed
- Water: County Water
- Utility Description: Electricity Connected, Propane
Structural Information
- Architectural Style: Ranch
- Construction Status: Completed
- Construction: Site Built
- Exterior Const.: Vinyl
- Roof: Architectural Shingle
- Main/1st Level: 1,249 Sq. Ft.
- Year Built: 2003
Lot Features
- Lot Dimensions: 139 x 213 x 331 x 198
- Street/Road Desc.: Concrete, Paved
- Lot Features: Cleared, Level
- Rcmdd Zoning: R-SF
Horse Property
- Horse Facility Desc.: None
Financial Considerations
- Terms: Cash, Conventional, FHA, NC Bond, USDA Loan, VA Loan
Disclosures and Reports
- Restrictions: Building, Livestock Restriction, Manufactured Home Not Allowed, Modular Not Allowed, Square Feet, Subdivision, Use
- Property ID: 56372
- Plat: F/375
- Lot Number: 2335-131
Listed by RE/MAX Lifestyle
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Schools
Schools serving 3124 Banks St
School District:Lincoln County Schools
| Name | Grades | Distance |
|---|---|---|
Battleground Elementary School 301 Jeb Seagle Drive, Lincolnton, NC 28092 | PK-5 | 5.3 mi |
Lincolnton Middle 2361 Startown Road, Lincolnton, NC 28092 | 6-8 | 3 mi |
Lincolnton High 803 North Aspen Street, Lincolnton, NC 28092 | 9-12 | 5.2 mi |
Disclaimer:
School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 3124 Banks St
Date
Details
Price
Change
Source
2/16/2026
Listed
$274,900
161.81%
MLS
8/14/2012
Sold
$105,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 3124 Banks St
Year
Property Taxes
Change
Tax Assessment
Change
2025
$694
1%
$206,763
—
2024
$684
2%
$206,763
—
2023
$669
28%
$206,763
54%
2022
$524
3%
$134,318
—
2021
$511
4%
$134,318
—
2019
$490
9%
$134,318
—
2019
$449
23%
$134,318
25%
2018
$366
5%
$107,415
—
2017
$350
—
$107,415
—
2016
$350
—
$107,415
—
2015
$350
-3%
$107,415
-5%
2014
$359
-50%
$112,670
—
2013
$713
—
$112,670
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 3124 Banks St
3124 Banks Street, Lincolnton, NC 28092 (MLS# 4338307) is a Single Family property with 3 bedrooms and 2 full bathrooms. 3124 Banks Street is currently listed for $274,900 and was received on February 16, 2026. Want to learn more about 3124 Banks Street? Do you have questions about finding other Single Family real estate for sale in Lincolnton? You can browse all Lincolnton real estate or contact a Coldwell Banker agent to request more information.

