Downtown Homes with FHA Listing Terms

Downtown Homes with FHA Listing Terms

Welcome to Downtown, a vibrant and dynamic subdivision nestled in the heart of North Carolina. This area is a true gem, where urban living meets Southern charm. With its rich history and modern amenities, Downtown offers a unique blend of culture, convenience, and community spirit that appeals to a diverse range of residents.

In Downtown, you'll find an array of homes that cater to various lifestyles, including options that qualify for FHA listing terms. This means that whether you’re a first-time homebuyer or looking to invest in a property, you can take advantage of more accessible financing options. The homes here are characterized by their distinctive architectural styles, from charming bungalows to sleek modern designs, ensuring there’s something for everyone.

Living in Downtown means you’re just steps away from an eclectic mix of restaurants, boutique shops, and cultural attractions. Enjoy leisurely strolls through beautifully landscaped parks, or immerse yourself in the local art scene at nearby galleries and theaters. The community hosts various events throughout the year, fostering a strong sense of belonging among residents.

With its prime location, friendly atmosphere, and a variety of homes available under FHA terms, Downtown is not just a place to live; it’s a lifestyle choice. Whether you’re seeking the hustle and bustle of city life or the comfort of a close-knit community, Downtown in North Carolina is the perfect place to call home. Come discover your dream home in this enchanting subdivision today!

Newest Downtown Homes with FHA Listing Terms

$359,900
1 Beds ⋅ 1 Baths ⋅ 100602457 MLS
A century of character has never looked so good. Rehabilitated in 2024, this charming downtown Wilmington cottage lets you skip the projects and start enjoying the lifestyle--morning coffee on the porch, evenings along the Riverwalk, and favorite restaurants, shops, and local attractions close by. Inside, refinished hardwood floors, an updated kitchen with butcher block countertops, and a beautifully tiled walk-in shower create a warm, welcoming retreat. The private fenced backyard--with a dock-style porch, sunshade, string lights, and low-maintenance turf--offers a peaceful place to unwind after a day downtown. Make it your full-time home, a personal Wilmington escape with rental flexibility, or continue its success as a top rated Airbnb. However you use it, 911 Dock Street makes it easy to settle in and enjoy the best of downtown living. Up to $2,500 credit with use of preferred lender, Sarah Newsome at Integrity Home Mortgage Corp.

911 Dock St, Wilmington

Listing courtesy of Coldwell Banker Sea Coast Advantage.

$365,000
3 Beds ⋅ 2 Baths ⋅ 100600913 MLS
Welcome to 110 Campbell Street, a beautifully refreshed 3-bedroom, 2-bath home offering approximately 1,948 square feet on a spacious 0.69 acre lot near downtown Aberdeen. Set along one of the area's most appealing established streets, this home blends classic character with thoughtful improvements and abundant outdoor space. The refinished kitchen and updated bathrooms provide a fresh, inviting feel, while original hardwoods throughout the living room and bedrooms retain the charm of this lovely home. The covered front porch, rear deck, carport, brick patio and storage building make this a wonderful home to enjoy an indoor/outdoor lifestyle. The spacious backyard offers countless possibilities. With generous living space, excellent storage, and a peaceful setting convenient to downtown shops, dining, parks, and area amenities, 110 Campbell Street offers a rare combination of location, character, and practical updates. Call today to schedule your showing!

110 Campbell St, Aberdeen

Listing courtesy of Everything Pines Partners LLC.

$699,000
3 Beds ⋅ 4 Baths ⋅ 100599138 MLS
160 N. Ridge is nestled among the mature trees and established streets of one of Southern Pines' most recognizable in-town neighborhoods, with everyday conveniences close at hand. Its combination of historic character, consistent care, inviting indoor and outdoor spaces plus additional basement storage and workspace, a fenced yard, the coveted two-car garage, and a truly walkable location captures much of what makes living in Downtown Southern Pines so appealing. Well maintained and filled with character, this Colonial Revival home has been thoughtfully cared for over the years, including by the same trusted handyman for more than 3 decades. Warm hardwood floors, built-ins, 2 fireplaces, original architectural details, charming sleeping porch, 2nd floor balcony, Carolina sunroom that doubles as flex space, a raised front terrace, generous windows and an abundance of natural light give the home a comfortable timeless feel. The location is equally special. Downtown Park is just two blocks away, with the shops, restaurants, coffee spots and entertainment of downtown Southern Pines only a few blocks beyond. Moore Montessori Charter School is just a short walk down the street, adding another unique convenience to this already highly walkable downtown location. This colonial revival is recognized as a contributing property within the National Register of Historic Places, reflecting the history and architectural character of Southern Pines. Restrictions on exterior alterations do not apply.

160 N Ridge St, Southern Pines

Listing courtesy of Coldwell Banker Advantage-Southern Pines.

$535,000
4 Beds ⋅ 3 Baths ⋅ 100598037 MLS
Welcome to the Croom House where historic charm + modern updates are nestled between Downtown Wilmington and the Cargo District. Beautifully blending historic character with modern comfort, this 4-bedroom, 2.5 bathroom home offers 1,821 square feet of extensively renovated living space in one of Wilmington's most desirable historic neighborhoods. Originally built in the early twentieth century as an investment property, the home has been thoughtfully updated while preserving the architectural details that make it truly special. Recent improvements (2022) include a beautifully renovated kitchen and dedicated laundry room, updated primary bathroom, sliding glass patio doors opening onto the rear Trex deck, 2 new HVAC units, 6-foot wooden privacy fencing, electrical upgrades including new electrical panel (2024), significant structural and framing improvements, and thoughtfully designed outdoor living and storage spaces. The crawlspace has been encapsulated with moisture barrier and a commercial grade dehumidifier installed (2022). These comprehensive renovations provide the comfort and reliability of a modern home while maintaining the timeless character that defines this historic property. Inside, light-filled living spaces feature high ceilings, generous proportions, and timeless finishes that complement the home's original craftsmanship. The renovated kitchen serves as the heart of the home, seamlessly connecting to inviting indoor and outdoor spaces ideal for entertaining or quiet evenings at home. Outside amenities include off street parking and an EV charger for unheard of downtown convenience. With its unbeatable location between Wilmington's Historic Downtown and the vibrant Cargo District, the home offers exceptional walkability to some of the city's best restaurants, breweries, cafés, boutique shopping, and entertainment. The Cargo District is located just 3 minutes away while Wilmington's iconic Riverwalk is just a short 5-6 minute drive. Recognized with a historic plaque, this National Folk style home traces its origins to the early 1900s and reflects an important chapter of Wilmington's architectural heritage. Carefully updated and modernized, the Croom House offers a rare opportunity to enjoy the charm of a historic residence with the comfort and convenience of contemporary living. Don't miss the chance to own a historic home where original character, quality craftsmanship, and modern convenience come together in one of Wilmington's most dynamic and sought-after neighborhoods.

1416 Dock St, Wilmington

Listing courtesy of Berkshire Hathaway HomeServices Carolina Premier Properties.

$325,000
3 Beds ⋅ 3 Baths ⋅ 100594947 MLS
Discover easy, low-maintenance living in this beautifully designed new construction home at 535 S. Henley St. in Southern Pines. Offering 3 bedrooms, 2.5 bathrooms, and 1,619 square feet, this contemporary cottage blends modern finishes with a functional layout designed for today's lifestyle. The main level features durable luxury vinyl plank flooring, stylish lighting, and an open living space that's perfect for entertaining or everyday living. Upstairs, upgraded carpeting creates a cozy retreat in each bedroom. Outside, enjoy a spacious backyard with room for gardening, play, or gathering with family and friends, all complemented by professional landscaping. With a one-car garage, no HOA, and the added confidence of a comprehensive home warranty, this move-in-ready home is an exceptional opportunity in one of Southern Pines' most convenient locations. The spacious kitchen flows seamlessly into the living and dining areas, creating an ideal space for entertaining or relaxing at home. Upstairs, the comfortable bedrooms provide a peaceful retreat, including a well-appointed primary suite. Step outside to enjoy the patio overlooking a generously sized backyard with plenty of room for gardening, outdoor gatherings, or simply enjoying the Carolina seasons. Professionally landscaped and complete with a one-car garage and an excellent home warranty, this move-in-ready home offers the perfect combination of quality, comfort, and convenience. Don't miss your opportunity to own this exceptional new home in SoPines!

535 S Henley St, Southern Pines

Listing courtesy of eXp Realty.

$845,000
3 Beds ⋅ 3 Baths ⋅ 100593068 MLS
Built in 1923 and expertly restored by renowned historic restoration team Wild Old Women and One Guy, this exceptional 2,283 sq ft home sits on a deep 0.16-acre lot along a brick-lined street in downtown Wilmington. Offering 3 bedrooms, 2.5 bathrooms, a dedicated office, and off street parking, the home pairs historic character with high-quality modern updates. A covered front porch and leaded glass entry door welcome you into an open floor plan with 9-ft ceilings, a linear electric fireplace, and 2.5-inch red oak hardwood floors. Original-style glass doorknobs preserve the home's charm, while fully insulated exterior and interior walls provide added energy efficiency and sound reduction. The kitchen features Taj Mahal quartzite counters and full length quartzite backsplash, 42'' upper cabinets, double ovens, a large island, and an ornate glass mosaic tiled backsplash, creating a striking focal point above the range. The first-floor primary suite offers a spacious walk-in closet and an elegant en suite bath with tile floors, double vanities, and a fully tiled walk-in shower with a Carrara marble inlay. An adjoining sitting room is ideal as an office or nursery and can be easily enclosed with the addition of a closet to create a 4th bedroom. A half bath & laundry room with plumbing for a utility sink complete the main level. Upstairs offers a spacious landing, two guest bedrooms, a full bath with double vanities, & walk-in attic storage. The screened porch overlooks a fenced backyard with mature trees and shrubs, plus a paver grilling patio & separate concrete patio. Additional features include a metal roof and a private driveway for up to 3 vehicles. Located within Wilmington's National Register Historic District, yet just outside the locally regulated Historic District, the home offers historic charm without the added restrictions of local historic guidelines. Enjoy easy access to downtown's premier shopping and dining, the Riverwalk, & the Cargo District.

512 Queen St, Wilmington

Listing courtesy of Century 21 Vanguard.

$339,500
3 Beds ⋅ 2 Baths ⋅ 100589176 MLS
Attention Investors! Rare opportunity to own Section 8 income producing property! Long term tenants in place. See attached document for property features and upgrades.

1309 Church St, Wilmington

Listing courtesy of Corcoran HM Properties.

$298,000
3 Beds ⋅ 2 Baths ⋅ 100589173 MLS
Attention Investors!: Incredible opportunity to own income producing property in downtown. Designated Section 8 with long term tenant in place. See Documents for property upgrades and features.

1012 Hanover St, Wilmington

Listing courtesy of Corcoran HM Properties.

$298,000
3 Beds ⋅ 2 Baths ⋅ 100589174 MLS
Attention Investors! Incredible opportunity to own income producing property in downtown, Designated Section 8 with long term tenant in place. See attached Documents for property upgrades and features.

1014 Hanover St, Wilmington

Listing courtesy of Corcoran HM Properties.

$695,000
4 Beds ⋅ 4 Baths ⋅ 100585657 MLS
Nearing completion with an anticipated completion date of September 30th, this beautiful new construction home offers the perfect blend of modern comfort, flexible living space, and an unbeatable Southern Pines location. Just minutes from downtown Southern Pines, enjoy easy access to First Friday events, the Saturday farmers market, local shopping, dining, coffee shops, ice cream, Sunrise Theater, parks, playgrounds, and tennis courts. Inside, the home features tall 10-foot ceilings on the main level, a spacious open layout, 2'' faux wood blinds, and a gourmet kitchen designed for everyday living and entertaining. With 4 generously sized bedrooms and 3.5 bathrooms, this thoughtfully designed floor plan offers plenty of room for guests, work-from-home needs, or additional flex space. A detached garage adds even more versatility and can be used as a home gym, workshop, studio, hobby space, or whatever best fits your lifestyle. This home also includes a 10-year home warranty, offering added peace of mind for the next owner. Thoughtfully designed and nearing the finish line, this is a great opportunity to enjoy new construction living close to everything downtown Southern Pines has to offer. Contact the listing agent for builder incentives and remaining selections still available to be chosen.

785 N May St, Southern Pines

Listing courtesy of Carolina Property Sales.

$895,000
4 Beds ⋅ 3 Baths ⋅ 100584261 MLS
A rare piece of Southern Pines history, this extraordinary residence is located in the Historic Weymouth District and represents the last remaining portion of what was once a four-lot estate designed in 1920 by noted New York architect George Cooke. Having studied art in Italy, Cooke envisioned the property as a guest residence within his larger estate, which once occupied much of the surrounding land. The main mansion, located on the adjacent property, was lost to a fire in the early 1940s, while the remaining estate structures were eventually removed to accommodate new development, leaving this home as the sole surviving piece of the original compound. Originally built as guest quarters, the home was designed without a kitchen, as meals were prepared in the main residence and delivered by household staff. The basement served as servant quarters, buggy storage, and a tack room. The home also showcased Cooke's personal art collection, complete with hand-painted murals, and welcomed distinguished guests and European dignitaries, making it a significant part of Southern Pines' architectural and cultural heritage. After decades of neglect, the current owners purchased the property in 2016 and embarked on an extensive restoration that thoughtfully preserved its historic character while seamlessly incorporating modern comforts. The home was taken down to the studs and meticulously rebuilt with restoration of the foundation walls and original basement posts and beams, all-new insulation, electrical, plumbing, and drywall completed between 2018 and 2019. Hardwoods throughout the home allow for a clean and easy flow. The beautifully designed custom kitchen and fully remodeled bathrooms were added in 2020, along with a new HVAC system (2020), creating a home that honors its past while meeting today's standards of comfort and functionality. The lower basement level is ideal for a shop with plenty of work space and/or storage. The extensive renovations were completed with such attention to detail that the updated spaces blend naturally with the original architecture, making it difficult to distinguish between old and new. Outside, mature azaleas, established shrubs, and thoughtfully maintained landscaping frame the home, adding seasonal color and complementing its historic setting. This one-of-a-kind residence offers an exceptionally rare opportunity to own a beautifully restored historic home with remarkable provenance and architectural significance. Nestled in one of Southern Pines' most sought-after historic neighborhoods and just a short walk to downtown, it effortlessly blends timeless character, rich history, and modern living.

650 E Indiana Ave, Southern Pines

Listing courtesy of Pines Sotheby's International Realty.

$749,000
4 Beds ⋅ 3 Baths ⋅ 100580757 MLS
A rare historic downtown Southern Pines home with genuine soul, thoughtful updates, and a story. A contributing structure within the National Register-listed Southern Pines Historic District, this circa-1915 home offers the rare combination of historic craftsmanship, thoughtful updates, generous storage, and walkable downtown living in the heart of Southern Pines. The National Register continuation sheet lists 360 S. Ashe St. as a contributing structure and specifically notes the screened porch, French doors, sash windows, rear additions, and central corbelled-cap chimney. Lovingly cared for and updated over the years as both a real home and an artist's studio, the home retains the warmth and craftsmanship that make older Southern Pines homes so special -- original hardwood floors, high ceilings, three fireplaces, French doors, built-ins, oversized windows, and architectural details that simply cannot be replicated in newer construction. This is not a neglected historic house waiting to be rescued; it is a soulful, livable home with original details still intact. For added buyer confidence, a professional pre-listing appraisal was completed on June 9, 2026 and valued the property at $781,000. The home's history adds another layer of charm. Local historians have connected the property to Dr. Ernest Poate, a physician, psychiatrist, and mystery novelist who wrote under the pen name Arthur Mallory -- a fitting 1930s chapter for a home in a town long loved by doctors, writers, artists, and creative professionals. That same creative spirit continues today in a house that has been home to an award-winning photographer for the past 20 years and has served as both a private residence and a place of inspiration. Inside, the home offers four spacious bedrooms, 2.5 bathrooms, and flexible living spaces with abundant built-in storage throughout. One of the most memorable features is the large banquette beside a dramatic wall of leaded-glass windows that open to the screened porch; an ideal spot for morning coffee, reading, casual dining, or gathering with friends. French doors connect the main living areas to the porch, while additional French doors from the primary suite open directly to the backyard, creating a graceful indoor-outdoor flow rarely found in historic downtown homes. The primary suite features a fireplace and large infinity tub, while the second main bath offers a classic clawfoot tub -- blending comfort, charm, and timeless Southern Pines style. Outside, the property reveals one of its most special features: a private and peaceful fenced backyard retreat in the middle of downtown. A picket-fenced front garden creates storybook curb appeal, while the backyard offers mature trees, garden space, and room to entertain, relax, or enjoy time with pets beneath the Carolina pines. As downtown living becomes increasingly dense, this property stands out for its sense of space - a setting that feels tucked away and serene while still being just a block from restaurants, coffee shops, Gulley's Garden Center, and downtown shops, with parks and the Sunrise Theater just a little farther beyond. A large basement provides valuable storage space not included in the heated square footage, adding practical flexibility that is especially rare in a historic home. More than just a house, this is a lovingly cared-for piece of Southern Pines history -- a warm, creative, and deeply livable home with original soul, thoughtful updates, rare outdoor space, and a story that belongs to the town itself.

360 S Ashe St, Southern Pines

Listing courtesy of NorthGroup.

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