Downtown Homes with USDA Loan Listing Terms

Downtown Homes with USDA Loan Listing Terms

Welcome to Downtown Southern Pines, a charming and vibrant subdivision nestled in the heart of Moore County, North Carolina. Known for its picturesque streets and friendly community atmosphere, Downtown Southern Pines offers an ideal blend of small-town charm and modern conveniences. With its historic architecture, delightful shops, and an array of dining options, this area is perfect for those seeking a lively yet relaxed lifestyle.

The homes in Downtown Southern Pines are not only beautiful but also accessible, with many listings qualifying for USDA loan programs. This means that if you're a first-time homebuyer or looking to invest in a property, you may be eligible for 100% financing, making your dream of homeownership more attainable than ever. The USDA loan program is designed to support buyers in rural and suburban areas, and with Downtown Southern Pines’ inviting atmosphere, it's an excellent opportunity to settle in a community that values both tradition and growth.

Imagine strolling through the tree-lined streets, enjoying the local parks, or taking part in community events that bring neighbors together. The Downtown area is also conveniently located near top-rated schools, recreational facilities, and cultural attractions, making it a perfect location for families, retirees, and young professionals alike.

Whether you're searching for a cozy cottage or a spacious family home, Downtown Southern Pines has something for everyone. Explore our available listings today, and take the first step toward making this charming community your new home!

Newest Downtown Homes with USDA Loan Listing Terms

$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.

$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.

$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.

$523,000
4 Beds ⋅ 3 Baths ⋅ 100555495 MLS
New construction Druther Homes in downtown Southern Pines -- with a rare full bath on the main level! Located at 261 N Hale Street, this 4-bedroom, 3-bath Craftsman-style home offers 1,953 square feet of efficient, thoughtfully designed living space just blocks from restaurants, coffee shops, shopping, and local parks. Enjoy true walkability in one of Southern Pines downtown neighborhoods, with quick access to Highway 1 for an easy commute to Fort Bragg, Raleigh, and surrounding areas. Designed for modern living, the open-concept layout centers around a spacious kitchen featuring built-ins, a large island, ample counter space, and a dedicated coffee bar -- perfect for busy mornings or entertaining friends. The full bathroom on the main level adds flexibility for guests, a home office, or multi-generational living. Upstairs, the primary suite provides a relaxing retreat complete with a soaking tub and well-appointed finishes. Two additional bedrooms offer space for work-from-home needs, family living, or visiting guests. Set on a .12-acre lot with a concrete driveway, this move-in-ready home blends Craftsman charm with smart design and low-maintenance living. Downtown Southern Pines living is calling to you!

261 N Hale St, Southern Pines

Listing courtesy of eXp Realty.

$577,000
4 Beds ⋅ 3 Baths ⋅ 100555492 MLS
Walk to downtown Southern Pines from your brand-new, Craftsman style home by esteemed local builder Druther Homes. Located at 255 N Hale Street in the heart of Southern Pines, this 4-bedroom, 2.5-bath residence offers 2,525 square feet of thoughtfully designed living space just blocks from restaurants, coffee shops, parks, and local boutiques. Enjoy the charm of walkable downtown living while still having quick access to Highway 1 for an easy commute to Raleigh, Fort Bragg, and surrounding areas. Built with the quality and efficiency Druther Homes is known for, this move-in-ready home blends timeless Craftsman architecture with modern luxury finishes. The open-concept main level centers around a spacious kitchen featuring a large island, abundant cabinetry, and a walk-in pantry designed for real life and effortless entertaining. The living room fireplace creates a warm focal point, while a dedicated home office offers flexibility for remote work or study. Upstairs, all four bedrooms provide generous space, including a serene primary suite with a beautiful soaking tub -- the perfect place to unwind at the end of the day. Step outside to the covered back porch, ideal for hosting friends, enjoying North Carolina evenings, or starting your morning with coffee before strolling downtown. Set on a .15-acre lot with a concrete driveway, this home delivers low-maintenance living, quality craftsmanship, and a lifestyle that today's buyers are actively searching for.

255 N Hale St, Southern Pines

Listing courtesy of eXp Realty.

$250,000
2 Beds ⋅ 1 Baths ⋅ 100550669 MLS
Charming Cottage in the Heart of Southern Pines Welcome to this delightful 2-bedroom, 1-bath cottage located on desirable W Connecticut Avenue, just minutes from downtown Southern Pines. Built in the 1930s, this home offers classic charm paired with a functional layout, making it an excellent opportunity for homeowners, investors, or those looking to downsize. Situated on a spacious lot, the property provides ample outdoor space for gardening, entertaining, or future expansion. The home's cozy interior is filled with natural light and showcases the character of an earlier era, while offering potential for personalization or updates to suit your vision. Enjoy a prime location close to local shops, dining, parks, and all that Southern Pines has to offer. Whether you're seeking a primary residence, rental property, this charming cottage delivers location, character, and potential.

350 W Connecticut Ave, Southern Pines

Listing courtesy of Nexthome In The Pines.

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